Would you know what to do if you drove your car into another car? A pedestrian? When a car accident happens, injuries may be severe and emotions may be high. However, there are important things that must be taken care of both at the scene of any accident and following an accident. The following is a list of things that should be done, if at all possible, when any accident occurs.
The cardinal rule for all car accidents is that you should never leave the scene without stopping. If you leave the scene of an accident, particularly where someone has sustained injuries or was killed, you can face serious criminal penalties for being a "hit-and-run" driver.
Exception: If you are hit by another car in a deserted area, use caution in stopping and getting out of your vehicle. Unfortunately, there have been reported incidents where a person exited their vehicle in a deserted or unsafe area after being bumped by another car only to be robbed or killed. Instead of getting out of the car if you find yourself in that situation, drive to the nearest police station to report the accident. If it turns out that you were being over-cautious and the other driver had no ill intentions, you may be embarrassed, but you will also be safe.
- If you are in a safe area, move your car out of the flow of traffic, if possible, to the shoulder. Take care in exiting your car. Watch for traffic, other people, and broken glass or car parts.
- If you are injured and are unable to exit your car, try not to panic. Help will soon be on the way.
- First things first. Before making sure that your car isn't totaled, check to make sure that everyone else involved in the accident is okay. Get medical attention for anyone who may need it.
Warning: If a person is unconscious or complains of neck or back pain, it is best not to move them until qualified medical personnel arrive. In some situations, for example if an injured person is lying in a pool of gas that you fear may ignite at any time, you may have no choice but to move them. If you are in that type of situation, try to move them as steadily and slowly as possible while supporting their neck and back. The less movement, the better.
- Call the police if the accident involves significant property damage, physical injury, or death. Ask that a police report be filed in those situations. Obtain the name and badge numbers of any police officers that arrive on the scene.
Talk to the drivers of any other vehicles involved in the accident. Get their names, phone numbers, addresses, drivers' license numbers, license plate numbers, and basic insurance information. If there are passengers in any of the vehicles, obtain their names, telephone numbers, and addresses as well.
Note: In talking to drivers of other vehicles, you should try to be cordial and cooperative in determining that everyone is okay and in exchanging basic information. However, do not apologize for anything at the scene. If you jump out of your car and blurt out, "I'm so sorry I ran that red light! Is everyone okay?" you may back yourself into a corner. Immediately after an accident, the scene is chaotic and it might not be evident who was at fault, or who was more at fault, in causing the accident. Moreover, in many states, fault is not determinative of which insurer will pay for any loss. Therefore, try to keep your conscience in check, at least until things get sorted out, so that you don't admit guilt unintentionally or unnecessarily.
Talk to witnesses at the scene. Ask the witnesses what they saw. Get their names and telephone numbers or addresses, if possible. If residents of the area, or businesspeople, who work in the area, have come to the scene or are in the vicinity try to talk to them as well. Ask them, in particular, if they have ever witnessed other accidents in the same place.
Note: If a witness is hesitant to talk to you, don't beg or threaten them. Forcing information from someone will get you nowhere. Write down what they tell you and, if they agree, simply get their name and phone number so that you, your attorney, the insurance company, or the court can contact them again.
Inform your insurance company, as soon as possible, that you have been involved in an accident.
- Cooperate with your insurance company and tell them the truth about the manner in which the accident occurred and the extent of your injuries. If the insurance company finds out that you have lied to them about anything, you can get into serious trouble, not the least of which will be the denial of any coverage for the accident.
- Build support for your case when discussing the matter with your insurance company. Be able to explain to them the facts of the case in a clear manner. Obtain and review a copy of the police report, if any, so that you can point out to the insurance company who broke what traffic laws or who was at fault for the accident. Often, that information will be provided in the police report. Although the insurance company may already know the facts of your case, taking an active interest in making sure your rights are protected will force the insurance company to take you seriously.
- Keep track of any doctors, physical therapists, chiropractors, or other medical professionals that you seek treatment from, and each medical provider that referred you to other medical providers. Having a written diary of this information will help you itemize your medical expenses and treatment to the insurance company or to the court.
Take photographs of any damage to your vehicle as soon as possible after the accident. Having photographic proof will help your insurance adjuster determine how much you should be compensated for the damages to your car, and may also assist your case in court, if needed.
Note: If you have pictures of your car from before the accident, dig those out of your photo albums, too. These pictures will offer a great "compare and contrast" to show the true extent of the damage sustained in the accident.
- Obtain a valuation for the damages to your car from your insurance company. If you are not satisfied with the manner in which your insurance company has valued your vehicle, do not give up. Get two estimates for the repair of your car on your own, or have two dealers provide a quote for the cost of replacing your vehicle if there was a total loss. Communicate with the adjuster your concerns and position, and be assertive. If you cannot agree on the value of your car, consider alternative dispute resolution, or consult an attorney.
- Do not talk to anyone about the accident other than your attorney, your insurance company, and the police. Do not talk to a representative of another insurance company under any circumstances without the knowledge of your attorney or your insurance company. If representatives from other insurance companies should call you, be polite, but ask them to call your attorney or insurance company to arrange for an interview. Also, get the representative's name and number, and tell your insurance company or attorney that someone seeking information about your accident contacted you.
- Be careful if you are offered a settlement from an insurance company. Make sure that any physical injuries that may have sustained have been treated and that you have a doctor's prognosis. Some injuries may not "manifest" themselves or reach their greatest level of discomfort or permanency until many days, weeks, or months after the accident. Don't settle a claim until you know that will be compensated for all of your injuries, and consult an attorney before signing any documents pertaining to settlement.