Car accidents can be traumatic-physically, emotionally and financially. But, if you stay calm and follow a few simple steps, you may be able to limit the stress of a motor vehicle crash as well as improve your chance of achieving a reasonable and satisfactory outcome for any legal claims.
For your convenience, print and keep this handy reminder of what to do if you've been in a car accident in your glove box.
Step #1: Gather Information
Information at the scene of a car accident is vital. Exchange identifying and insurance information with all drivers involved and obtain names, addresses and telephone numbers of any witnesses. Always keep a camera in your car, and take photos of all vehicles and property damage, injured parties (including your own injuries) and the scene itself.
Do not discuss the facts of the accident with anyone except the investigating officer. Carefully provide your estimates of speeds, distances, time and any other observations. Do not guess or speculate.
Step #2: Attend to Physical Injuries
If you were injured in any way, promptly seek medical attention. Many neck or back strains take a few days to exhibit symptoms, but be aware that insurance companies are suspicious of injured people who wait weeks before receiving medical treatment.
If you are not satisfied with your medical treatment, ask your doctor for a referral or consult with a car accident injury attorney about how to proceed.
Step #3: Speak With Your Insurance
Call your insurance agent. Ask any questions you may have about your coverage. If your car was damaged, what steps you need to take to get your car repaired. If you were injured, obtain your health insurance information and the various types of coverage.
Do not give any information to the other driver's insurance agent or investigator. Do not give any oral, written or recorded statements to anyone until you have consulted with an attorney.
Step #4: Obtain the Necessary Documents
Insurance companies require documentation that provides evidence of your damages. If you are disabled and unable to work, inform your supervisor and/or human resources department of your accident and injuries. If you need to use vacation or sick days, you may be eligible for compensation from the insurance company as these constitute lost benefits. Talk to your doctor if you are unable to work; request that he or she give you a disability letter or slip.
Be sure to advise your health care provider of all of your symptoms and what you are unable to do. If you had any prior accidents or injuries, be sure to disclose these. Keep a brief journal of your visits, payments, treatments, symptoms and which activities you were unable to perform relating to the car accident.
Step #5: Retain an Attorney
An experienced personal injury attorney will ensure your claims are handled properly and that you are reasonably compensated for all your damages. If there are any disputes regarding liability, treatment and insurance, an attorney can help you resolve those issues.
While getting an attorney is listed last on these five steps, engaging an attorney can happen at any point during the process.
