Responding to a call from someone who has been in an accident brings up a range of emotions. Separating emotions from the experience seems impossible. There are so many “task related” necessities demanded in these situations it is easy for overwhelm to settle in. How do we know what to do after an accident?
Here are some thoughts to consider in case you or those close to you are ever in a car accident.
I. At the scene of an accident
We are advised to stay at the scene of an accident, especially when injuries are involved to avoid law enforcement “hit and run” penalties. If you are in a deserted area and feel your safety is at risk, call 911 and immediately report the accident and wait for law enforcement to arrive.
Before checking on the condition of your car, assess the physical impact to everyone in your car. Get medical attention for those who are injured or not responsive. Do not move injured people from the car, unless the vehicle is at risk for fire/explosion. If movement from the vehicle is needed, remember to support the head/neck of the injured person – the less movement the better.
If you have legal coverage provided through a service, contact them to discuss how best to proceed with the others involved, the police and with your insurance company. Ask the police to file a report and ask for a copy of the report. Remember to record the names and badge numbers of the officers who arrive at the scene.
Who are the others involved in the accident? Make sure to obtain contact (including driver’s license information) and insurance information from the other driver/passengers. Be cautious with what you say. Your words matter. If you blurt out accusations or admissions before a determination of all the facts are clear, this may negatively impact the outcome later.
Talk to people at the scene to ask what they observed and take notes. If they agree, obtain contact information from them, in case you need to follow-up with them.
Take pictures of everything – the cars involved, the area and people at the scene. Record with pictures or a video helps with filing reports later.
II. After the accident
Contact your insurance company as soon as possible. Let them know about the details of the accident. This is where a copy of the police report is so important. The police report is helpful to reference the laws broken and who was at fault.
Keep notes about all medical treatment after the accident. Log all treatment options received from all professionals for everyone involved. This diary is important, as all symptoms arise in the time after the accident itself. Many symptoms arise after the accident. Keeping notes help you remember and track your progress.
Obtain quotes from at least two repair sources or car dealers for the repair or replacement of your vehicle. Confer with your insurance provider. If you disagree with the estimates or value of your vehicle, speak assertively. If needed, consider dispute resolution help.
It is recommended to minimize discussion with outsiders other than the police, your insurance company and your legal representatives. If you are contacted by the other insurance company or legal representative, refer them to your team.
Consider your settlement offers carefully. Have you allowed enough time to know your injuries have been treated completely? You may wish to consult an attorney before accepting a final settlement offer.
Consider your day to day life adjustments. What is the time frame of your recovery? What are the interim changes needed at home or at work? These considerations play a significant role in moving forward. Seek the help needed to obtain the best care and comfort in the days following an accident.
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