An accident can be a very scary situation especially if you have never been in one or there are injuries. Accidents happen and there is not much you can do to avoid them in some cases. Whether you hit another vehicle or another vehicle hits you, you must know what to do when something happens. Many people are not sure what to do in the event of an accident and this makes it difficult for them and also the insurance company. Even though you may be scared or nervous, you must try to remain calm and always follow steps to ensure you protect yourself and also your vehicle.
After you have been involved in an accident, you need to follow certain steps to protect yourself. Make sure that if the vehicles are moveable you move them out of the middle of the road. This ensures that no one else will collide with your vehicle. Once you are safely out of the road, you can then call emergency crews to respond to the accident. In some cities the police will not come to the scene of the accident unless there is damage over $1000 or someone is injured. Take pictures of the damage to both vehicles and also where the accident happened. This is a way to document any damages from the accident. Your insurance company may want to see the pictures of the damage. Make sure to get a copy of the report number and also any corresponding ticket information if you are given a ticket.
You should always report any accident that results in any type of damage. Even if your vehicle is not damaged, you should still report an accident because signs of damage may not show up until later on or you may be injured. Sometimes injuries and also damage does not become noticeable until a little while after the fact. When you report an accident to authorities, make sure to tell them where you are and everything that happened. Reporting the accident to the insurance company is essential and you will need to call them as well. When you call the insurance company, they will ask you questions about the accident and also for any corresponding information related to the accident. Once everything has been handled, you can then proceed to get your car fixed. Once you have explained all of the damage to your car insurance company, they may instruct you to take your vehicle to an approved collision repair shop. These businesses are insurance company approved and will accept payment from your insurance company and n return they will repair your vehicle.
There are many types of car accidents that can occur. Some accidents can occur due to other people driving and not following the law. This includes speeding, running red lights and any other violation that may result in an accident. Other accidents can be caused by situations where someone may accidentally rear end you due to accidentally stepping on the gas instead of the brake pedal. Rear end accidents are very common and are a result of accident and also sometimes not paying attention. If you are in a car accident don’t be afraid to call your car insurance company. They are used to dealing with claims and can help you out.
When an accident occurs someone is usually determined to be at fault. Fault is determined (in some provinces) by the adjuster using outlined ‘fault determination rules’ . A police officer may indicate on any report that one of the drivers is at fault. The person at fault may receive a traffic citation. When you talk to your car insurance company, they will ask for fault in an accident. If you are determined to be at fault, you may have to pay more for your car insurance or you may notice that your rates rise. Typically when you are not at fault, your rates do not rise.. If you are in too many at fault accidents then you may be dropped from your insurance company altogether.
It is important to always make sure to protect yourself when you are in an accident. Call the proper authorities and always report the accident to your insurance company.