Many people are lucky to drive for years without or involvement in a traffic accident. It is always our desire never involved in any. This is often a traumatic experience that we want to forget in a hurry, let alone suggest that we could be involved in. What to do after a car accident is a question that people ask when they are already in the situation.
Usually the first thing to do is to check whether the passengers in the car were injured. If you have injuries, arrange to have carried out first aid on them where possible if you wait to come to the paramedics. In a situation where there are no injuries, it is important to make sure to check the passengers in the other car that they are in order.
With this done, politely ask the driver to let the vehicle concerned to inspect their license. Check to make sure it has not expired and that it is valid for the class of vehicle they drive. This is important because having a valid driver's license does not necessarily mean it is valid for all classes of vehicles, unless authorized. At this point, prepared to give yours for inspection.
Remember to place warning triangles to minimize the distance to the possibility of an accident. Make a note of the drivers details including the insurance company and the expiration dates. Be sure to include the policy number for future use.
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Do not move the vehicle from the scene of the accident. Call the traffic police to come and professionally assess the accident. If you have a camera photos around the accident, they can come in handy at some point. If not, draw a sketch of the accident for reference purposes.
After police arrived and made their preliminary investigations, you should inform your insurance company. Normally this should be done before twenty-four hours have elapsed. If this takes longer than the insurer could refuse to take responsibility. Your insurer will demand a number Addition and assign a claims officer dealing with the case. This is the person who will have to deal with for the entire duration.
Assess the damage to your car and if it can be driven, drive to the next point you will be directed to. The police must inform you when there is a need to hold the vehicle for further inspection. Normally this happens when there are deaths or serious injuries.
A police vehicle abstract must be issued before formally turning the matter over to your insurer. The insurance company will take you to a garage of their choice to determine the extent of the damage to perform an independent assessment. This is normally an internal process before deciding how best to settle the claim. In some cases, a person may choose to keep the repair rather than on the application process. Such arrangements must be in writing and timely. Preferably in the presence of a law enforcement officer.