What To Do If You Get In an Accident

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Nothing can ruin your day quite like a car accident. Assuming that you’re not seriously hurt in the accident, you’ll still have to deal with insurance claims, getting estimates for any damage on your car, and the raw amounts of paperwork. It helps to have a plan, though. Here are some steps you’ll want to keep in mind if the unfortunate should occur.

1.) First thing you’ll want to do before anything else is remain calm. Freaking out will only make the situation worse, and could lead to you injuring yourself, saying the wrong thing, or panicking and running.

2.) Take a second and make sure that both you and everyone in your car is safe. If someone is injured, don’t attempt to move them. Otherwise, try to move off the roadway if you can, but make sure to stay at the scene of the accident. Fleeing the scene of an accident is illegal in most states, qualifying as a hit and run. Try to warn oncoming traffic if you can, by turning on your hazard lights and placing road flares on the road if you have them. Clearing the roadway isn’t just courteous to your fellow drivers – it can also prevent subsequent accidents turning a bad situation worse.

3.) Once you’ve made sure nobody’s sustained serious injuries and done your best to clear the roadway, it’s time to call the police. Even for small accidents, you should still call the police. Obtaining a police report of the accident will be invaluable in the insurance claims process.

4.) After you’ve called the police, your insurance company should be next on the list. You won’t have all the information you’ll need at this point to actually file an insurance claim, but the sooner you let the insurance company know what has happened, the sooner they can start working on your case and get you compensation money.

5.) Avoid admitting fault. Even if you think the accident may have been your fault, or if you’re flustered and upset, once you’ve admitted the accident is your fault that can completely deny you any insurance money and put you on the hook should the other driver decide to sue. Ideally, you shouldn’t discuss the particulars of the accident with anyone aside from your insurance company and the police.

6.) Lastly, you’ll want to exchange all your information with the other driver. This includes things like name, address, license driver numbers, and phone numbers of all drivers and witnesses involved. Any witnesses not involved in the accident are the most valuable, as they’re likely not biased or vested in either party in the accident.

Nobody wants to get in an accident, but paying out the nose for one is even worse. The time to worry about that isn’t after one happens, it’s now. Check now for car insurance in New York so you can be prepared should the unwelcome occur.

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