1. Stay on site
Do not leave the scene of the accident when appropriate. If you leave, especially in a place where someone is injured or killed, you may face serious criminal penalties due to a crash on the spot.
2. Check all drivers and passengers
Before assessing property damage, make sure everyone involved in the accident is OK. Get medical care for anyone who needs it. If a person is unconscious or has neck or back pain, do not move them until qualified medical help arrives unless there is a risk that they will be moved.
In case of major property loss, personal injury or death, an alarm is required. It is required to submit a police report and obtain the name and badge number of the emergency personnel when the police do arrive at the scene.
4. Exchange of information
Obtain name, number, address, driver’s license number, license plate number and basic insurance information from all involved drivers. If there are passengers, please get their name, number and address at the same time. Please keep a friendly and cooperative attitude when talking with other drivers.
However, you should not apologize for anything on site. For example, if you say, “I’m sorry I ran a red light! Is everyone OK? ” You may be liable for what happened. After the accident, it may not be clear who is the fault or mainly the fault. Moreover, in many states, fault does not determine which insurance company is liable for any loss. Therefore, try not to plead guilty unintentionally or unnecessarily.
5. Talk to witnesses
Ask each witness what he or she saw. If possible, get their name, phone number or address. Ask local people if they have witnessed other accidents in the same place.
6. Inform your insurance company
Tell your insurance company in time that you have a car accident. Work with them and tell them what happened and the extent of the injury. State the facts clearly. If the insurance company finds out that you lied to them, you may encounter serious problems, including the possibility of refusing to cover the accident. Obtain and review all police reports submitted so that you can point out who has violated traffic regulations or who has made mistakes.
7. Track your treatment
Please note any doctor, physiotherapist, chiropractor or other medical professional you are treating, and every medical provider who refers you to other caregivers. Please record in detail the treatment and / or medication you received. In addition, get copies of all medical reports and bills that will help you later prove your medical expenses.
Medical costs are relatively easy to record, but pain and suffering are hard to prove. Record how your injuries affect your daily life. Include any missed workdays, list any routine activities you cannot perform, and describe how the injury affects your family life.
Please take pictures of the damaged vehicles as soon as possible after the accident. Photos can help your insurance adjuster determine how much you should pay for the damage to your car, and can help in court. In addition, the car pictures before the accident can provide a good “comparison and comparison” to show the real degree of damage in the accident.
9. Assessment of obtaining property loss
Get a loss assessment from your insurance company. If you are not satisfied with how the insurance company evaluates your vehicle, please do not give up. Obtain two independent repair estimates or replacement quotes. Take the initiative to inform the adjuster of your concerns. If you disagree with the value of the car, consider mediation or consulting a lawyer.
10. Be careful when discussing events
Don’t talk about the accident with anyone but your lawyer, insurance company and police. Do not talk to representatives of other insurance companies without the knowledge of your lawyer or insurer. If you are called by another insurance company, please be polite, but ask them to call your lawyer or insurance company to arrange an interview. In addition, inform your lawyer or insurance company of this call.
11. Beware of settlement proposal
If you get a settlement from the insurance company, please be careful. Make sure that all of your injuries have been treated. It is not until a few days, weeks or months later that certain injuries appear or reach the maximum level of discomfort. Do not settle claims until you know that all injuries will be compensated, and consult a lawyer before signing any settlement documents.
12. Consider hiring a lawyer
If someone is injured in an accident, it is best to consult an experienced lawyer. If you are injured, a lawyer can help you recover to the maximum extent possible; if you are in fault, a lawyer can better defend himself. Many accident attorneys work on an accident fee basis, which means that your attorneys only charge for compensation or settlement.
1. Stay on site