Wrecking your car can be one of the most stressful and intimidating moments of your life. For those that do not know how to handle it, it can also be one of the most financially disabling. Knowing what you should and should not do ahead of time can literally save you thousands of dollars and protect your good driving record. Here are five things that you should always do when you are involved in a car wreck.
Move everyone to safety
Before doing anything else, you should first make sure to get out of the road. Countless tragedies happen every single year because people hang out around their vehicles after a wreck. Move everyone to the side of the road and get away from the vehicles. People will often get distracted while staring and the last thing you need is a second tragedy on your hands.
Call the police
Once everyone is safely out of the road, call your local police station for help. There are those that will try to talk you into not calling the police and you should not give in to such requests. Not reporting the wreck to authorities can compromise your insurance claim and get you into big legal troubles. Always call the cops.
Exchange Insurance information and contact details
When you’re obtaining information from the other driver, make certain that you write it down yourself and that you are taking it off of their documentation. Often things get lost in the mix, either on purpose or by accident, when the other driver reads it off to you. Take it down yourself or let the police officers handle it.
Although pictures are not required, having them can go a long ways towards proving your case if fault is unclear. Shoot pictures of the damage to your car as well as others. Also shoot pictures of the roadway and various intersections that might be involved in the wreck. Try your best to shoot them from angles that will be helpful in determining where you were upon impact. During this entire process, never admit fault or apologize as it might be used against you in future proceedings.
Contact your Insurance agent
Before any of the parties involved leave the scene, you should try to contact your local insurance agent and start the claims process. By having the police officers there and the other people that were involved, you may be able to get information to help speed up the process. Never wait to call your agent until after everyone is gone. You can be sure that information you needed left with them.
Have you ever involved in a car wreck (God forbid) before? What were your experiences? Following any or all of these practices helped you in anyways to speed up the payout from your Insurance company and solve your claim?