Cars and Bikes

What to do if you have a Car Accident?

Car accidents happen every day and even careful drivers can also come across it. Most of the drivers become shocked and worried when they experience a car accident. Surely, this is a highly stressful thing to experience and nobody would remain totally untouched, we mean emotionally. But the very first thing that you must do is to stay calm if you have a car accident. The process after a car accident is quite straightforward, but it will become complicated if you are stressed out. So, keep your head cool to get the things sorted accurately and hassle-free. Here in this article, we have listed a few tips to let you handle a car accident more efficiently and effectively.

Look for injuries

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First of all, look for injuries if you have a car accident. If any person is injured, then immediately call 911 so that the police and ambulance can arrive at the accident site. This is highly important since helping injures requires of you to act quickly. Only by doing that you will be able to save someone’s life. As more time passes, usually chances become slim. Do always call the police even if no one is injured and all the involved parties are cooperative. The police will make a statement and it will be determined who is actually guilty for the accident.

Plus, calling the police is the only way you will be able to receive official documents so you can get some money from insurance to cover the damage. In fact, you can get an official report that you will be required to provide to the insurance company. Ontario injury lawyers can help you the best if anyone of you is injured. Or you can try and reach a personal injury lawyer. If this is what you want, you can reach law123.ca. Anyway, you are bound to reach one of these, but the real question is, who you are going to need in a particular case.

Move towards a safe place

Naturally, there are more than a couple of scenarios that you can witness in this situation. As the term accident means, there is no magic formula that you can use every day. You need to be prepared for a wide array of possible scenarios. However, we are going to try and provide some examples of what you should do in particular moments. Park your vehicle at a safe place after having a car accident so that it may not get hit by other vehicles.

Make sure your car is completely pull off the road. If there are reflective emergency triangles or flares, then warn other vehicles too. If there is a danger of blast, then move away from the accident site. Also, if there is a danger of an explosion, you need to make all of the people aware by providing a sign to all other participators in traffic. Doing one of these is actually going to save a lot of lives, you can count on that.

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Exchange information

State laws pertaining to exchanging information at the accident site vary. But usually, you have to provide your name and insurance company information to other involved drivers. Try limiting your conversation with other drivers to avoid blaming them or admitting your responsibility. Try to get maximum information, including name, insurance information, and contact number of other drivers, police report number, eyewitness contact information, photos of the damage, and the name and contact number of the police officer.

This will provide crucial in your quest of obtaining as much insurance money as it is possible to cover the damage. Naturally, you will be able to receive a high percentage of this information through an official police report, but sometimes you will need to show the initiative to get all others. This is something that you should take for granted. You should invest all your time and common sense at that moment and get the best possible outcome possible.

Determine the insurance coverage

The process for insurance claim depends on the type of coverage of all involved parties and who was guilty. If we assume that the other car driver was guilty, then the insurance coverage will work as follows:

  • Your car: The insurance company of another driver will pay for your car repairs equal to his policy’s property damage liability limit.
  • Your medical expenses: These expenses will be paid up to the bodily injury liability coverage of another driver. If in case the other driver doesn’t possess insurance or has insufficient coverage to reimburse your expenses, underinsured or uninsured motorist coverages will payout.

You should be aware that this is not the only possible outcome. A lot will depend on the size of the accident and how many drivers were involved. Furthermore, there is the question of casualties. You can be sure that there are a plethora of things that the case will be judged on. So, no matter what happens, you will need to have a consultation with your lawyer and get all of the answers to the accident in question.

Source:calstate.aaa.com

Decide whether to submit a claim or not

If you are responsible for the car accident and the other car’s damage is minor, then you can offer a cash payment to the other driver. So, it’s completely your choice. Here you can get the advice of an expert Markham car accident lawyer to help you file a claim. In some cases, this can be a really good solution since there is no need for getting involved with highly complex paperwork with the police.

You can only contact your lawyer, write this claim, and pay to cover the damage that you’ve caused. This situation provides you with a great option of avoiding official institutions and complex procedures that can last up to a couple of months. Deciding on the damage made on the car and making the deal with the other person will surely mean that you can complete a lot of things in a significantly shorter amount of time.

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