An
auto collision can be an emotional and exhausting experience. Many
motorists drive defensively, take driver education courses and
prepare for stressful driving situations, but unfortunately vehicle
collisions still occur.
A
driver is responsible for knowing what to do if they are involved in
a collision. Even the most prepared and competent drivers sometimes
find themselves involved in a crash. It does not matter who is at
fault, the most important thing to do first is make sure everyone is
OK, then seek medical and law enforcement help and know what to do to
protect yourself from legal or financial problems down the road.
The
best defense to avoid any problems after a crash is to be prepared.
Keeping a pen and paper, disposable camera or cell phone camera, and
copy of your insurance card easily accessible at all times will help
keep you organized and decrease stress moments after a collision.
1.
Assist the Injured. Quickly
check with those involved in the collision to determine if there are
any injuries. If medical attention is needed, call 9-1-1. If medical
attention is not needed, make sure you are not in imminent danger at
the roadside.
2.
Control the Scene. Before
taking time to exchange information, get to a safe place. If
there are no injuries and the vehicle is drivable, safely move to
the right or left emergency lane. Some state laws require
drivable vehicles to be removed from the roadway to avoid traffic
congestion. Turn on your hazard lights and set out warning flares or
reflective triangles. Do not leave the scene of the crash, but find
a safe place to remain until emergency services arrive.
3.
Notify the Police and Submit a Report. The
law requires you notify the police. No matter what either party
says, call the police and file a report. If the police do not come
to the scene to open an investigation, you can file a report by
visiting a local police department or automobile insurance agency in
the days after a crash. Having a report on file may help later if a
liability claim is filed.
4.
Document the Scene and Exchange Information. It
is important to exchange and gather information with all parties
involved in the crash, including witnesses. Having this on file will
help complete any future paperwork or address potential problems. We
suggests that you document:
- Names
- Addresses/email address
- Vehicle Information including makes, models and years for all cars involved
- Vehicle identification/license plate numbers
- Driver’s license numbers
- Insurance carriers and policy numbers
- Take photos of the location, people involved and damaged vehicles
5.
Notify Your Insurance Carrier. Your
insurance carrier will need to be notified following a crash to start
the proper claim filing. Many
insurance companies have staff available 24/7 and can assist
immediately. Having proof of insurance in your vehicle is required by
law and makes filing a claim easier if not at home.
6.
Unattended Vehicle or Property. If
you are involved in a crash that involves an unattended vehicle or
property, take action to inform the owner. If you cannot locate the
owner, attach a written notice of the collision to the vehicle or
property, being sure to include your contact information and
information listed above.
Drivers
and owners of motor vehicles must be prepared to assume legal and
financial responsibility if involved in a crash, do not to let your
emotions and feelings get in the way of deciding who is at fault.
Never allow yourself to be pressured into admitting fault or giving
an opinion about the cause of a crash. If you wish, you can consult
with an attorney before giving a statement.