Steps-to-Take Immediately After a Road Accident
There are over a million road accidents that occur every year; consequently, there are chances that you might get embroiled in one because of somebody else’s mistake in spite of being an observant and careful driver. While you can’t avoid such exigencies, it does pay to plan ahead of time and be prepared for it all. However, there are important rules that must be followed if, god forbid, you land up in such a situation. Apart from keeping your cool and informing the police, there are things you must and mustn’t do at the scene of an accident. Following the steps mentioned below will help keep you safe, defend your privileges and will help compensate for your losses:
Stay calm and do not take actions in panic
It may go without saying but you must not panic. Keeping cool will help you make the right decisions and think straight. This will also prevent conflicts and save you from additional quarrels with other parties involved in the accident. In fact, you much have a small talk with other drivers, members, or people accompanying you, to discuss the complexities and how to go about it.
Keep the vehicle and people away from traffic
If there are minor damages, you can safely move the vehicle off the road and park it in a corner that doesn’t disturb the usual road traffic. And in cases where it’s difficult to move the vehicle, you must turn on the hazard lights and place the warning triangle beside it.
Check on everyone and don’t move seriously injured people
Look for everyone who was traveling with you during the accident and make sure they are okay. If someone is critically injured, do not move the person’s body unless there’s danger in leaving them there. Call for medical help immediately.
Call the police and file a report
The law requires that you inform the police if the accident involves anyone majorly injured or if the damage exceeds a certain describable limit. Also, be politely persistent with the police officer that you would like a statement in writing.
Remember: You must responsibly take note of the officer’s name, officer’s badge number, officer’s phone number, and the police report number.
Take photos and take notes
Use a cell phone to take photographs of the accident scene, the vehicles, and injuries, if any. But try and click these pictures before the vehicles are moved for clear evidence and while it’s still fresh in your mind, write down clear details of the accident as you remember them.
Exchange only the essential information
Make sure to get the name and insurance information of the other driver but do not share personal information like your home address or driving license number as that puts you at the risk of identity theft.
Remember: The sharable information in most cases only means the information on your insurance cards such as your full name, Insurance company name, policy number and the phone number of the insurance company. If anyone persists on having your car’s registration or your driver’s license (which is often the case), firmly say NO.
Contact your insurance company to report a claim
You may not require calling your insurance company right from the accident scene. You can do so as soon as the police visit and if there are injuries and claims to make.
Such is the oncoming impact of an accident, both physical and mental, that one tends to jump into taking a resolution which might seem ideal at the time, but may actually turn out to be detrimental in the long run. Keep your cool, act humane, exchange only the necessary information, and refrain from any verbal arguments with the other party involved. That way, you ensure that an accident doesn’t disrupt the daily flow of your life, or becomes a reason for prolonged and undue stress.
**To understand exactly about the policy coverage, exclusions etc read the Policy Wordings carefully.**