Had a Car Accident - What Next?

Had a Car Accident - What Next?PolicybazaarAverage Rating / 5 ( reviews)
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With the increasing number of vehicles on the road, there has been a substantial rise in the number of accidents. Very often when people get stuck into situations like these, they easily tend to get paranoid and start panicking. It is quite obvious, but panicking in such a scenario might result in more damage. 

Now, the question arises what should be done if you meet a car accident? How to handle the entire situation? How to minimize the extent of the damage? How to ensure your safety? In order to answer all your queries and demystify all the common myths, we’ve come up with a new blog. In this thread, we will shed light on tips and tricks that will help you to safely manage the entire scene without getting in trouble. Furthermore, we will help you understand the various step involved in the process of claiming your insurance policy. 

Before we go ahead and dive deep into the nuances of claiming a motor insurance policy, let us take a quick look at things to do at the scene of a car accident. 

What to do at the Scene of Car Accident?

In real-time, there are a plethora of ways by which you can avoid road accidents, but once stuck in the situation it is important to be aware of the steps that should be taken to successfully get the insurance claim. In this section, we will share a checklist that will help you to follow the right steps in the right order to avoid the unwanted hassle. 

Assessing the Extent of Damage

First on this list is an assessment of the damage, right after the accident you need to check and make sure none of the people in the car need emergency medical attention. Try and avoid moving the vehicle from the site of the accident if it is not causing obstruction in the way of traffic. Wait for the police to arrive at the scene. Once the police are done with reporting the incident and taking pictures you can move your vehicle towards the workshop for repair. 

Reporting the Accident

Even if it is a small accident it is very important to report every small bit of information to the police department to avoid any hassle at the time of claim settlement with the insurance company. There are various ways to report the entire incident to the police, you can follow any of the ways to file a report. 

Stay Clam and Silent about the Accident with the other Party 

It is extremely crucial to limit your conversation with the other party about the accident. In order to avoid any sort of financial losses make sure you discuss the events that took place at the scene only with the police, medical practitioners, and insurance company. Indulging in unwanted discussions can make things go against you that can lead to financial loss and legal repercussions. 

Keeping a Track of Factual details of the Accident

This part of the checklist is the one that everybody is aware but most of the people end up skipping due to stressful situations arising after the accident. It is vital to get the name, address, contact number, vehicle registration number, driver’s license number, etc. 

The Right Order to Follow

Here’s a quick rundown on the right order to follow-

  • Details of what exactly happened at the site of the accident
  • Details about the vehicle and people involved 
  • Details about Insurance claim 

Filing Car Accident Form

In order to be precise and accurate about the information you provide to your insurance provider and the police department, it is best to describe the set of events that took place in a car accident form. The appearance of the form might vary from country to country but the major details remain the same. 

Filing the form will help to get a hassle-free claim settlement of your car insurance policy. Choosing the right insurance policy is an important step in the overall process of safeguarding yourself against unforeseen events. Make sure you compare car insurance at different platforms to get the best coverage at the lowest premium. 

Making use of Technology

Technology in the 21st century has completely transformed the way people tend to act in different scenarios. With smartphones becoming an integral part of our day to day life it becomes quite simple for people stuck in accidents to take pictures. With photographs, you can prove your point to the police as well as the insurance company while filing the insurance company. Photographs help the claimant greatly when it comes to proving the extent of property damage along with depicting the position of different vehicles on the road when the accident took place. 

In a Nutshell

With the steps mentioned above, it would become a bit easier for you to handle a car accident. In order to protect yourselves against unforeseen events, it is crucial to compare car insurance and get the right plan.

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