After a Car Accident: First Steps
A car accident scene could be very stressful, but it also gives you the opportunity to avoid the stress associated with the insurance claim process. By maintaining a cool head and paying close attention to the details, you can lift the financial load off of yourself as well as your insurance company and get back to your normal life in no time. Below are some of the important data you need to collect when involved in an accident:
The information of the other person
– We all know that it is important to exchange information with the other party involved in the accident. This could wait until a police officer gets to the accident scene but you could also choose to immediately start gathering the other driver’s info.
You need to write down the other individual’s name, date of birth, driver’s license number, phone number, address, policy number, insurance provider, and the number of occupants in their car. These pieces of information are just the basics. Bear in mind the fact that the more information you have for your insurance company, the quicker your claim will be processed. Remember, do not forget to visually verify the information you are collecting.
Vehicle information – Ensure that you take note of the model, make, VIN number, license plate number, and year of the other vehicle(s) involved in the accident.
– In case there are any questions regarding what took place, it is important for you to look for witnesses. People who witnessed the accident might stop to check up on you. If this occurs, and you are strong enough, ensure that you put down their contact information and names so that contacting them later for a statement can be possible. These witness statements can be very useful to your car accident lawyer. Additionally, witness statements can also help insurance companies in determining accident liability
– Make sure that the officer makes a police report at the scene so your insurance company can retrieve it later. However, based on the circumstances, it could take weeks or even months before a copy of the report is sent to your insurance company. Upon the arrival of the police at your accident scene, simply take note of the badge number and name of the responding officer and even ask for the report number. This info can be used to process your claim faster.
– Documentation of damage caused by the accident is very crucial and valuable for your insurance company. You can take pictures of your car together with the other car involved in the accident from various angles. These pictures will provide both your insurance company and your car accident lawyer with important information regarding what happened.
Apart from the information mentioned above, writing down your own account of what happened is also a good idea. Your insurance company representative might not immediately get in touch with you. Therefore, recording as many details as possible will be helpful in keeping your memory fresh and story consistent in case you get interviewed more than once by an insurance representative.
In case you have been involved in a car accident and some of your damages are not clearly covered by your insurance then you need to seek the services of your local car accident lawyer. A car accident that results in an injury is most likely going to have complications in getting you timely and fair compensation. This is exactly why having a car accident lawyer who will stand by you through the entire stressful compensation process and one who will fight for the highest possible financial compensation is more than necessary.
Last Updated: 03-24-2017