Especially as a third party victim
No 1 wants to be in a car accident. Actually, if you want to be in 1 and plan on it, then it kind of stops being an accident. At that point, it’s more likely to be classified as vehicular assault. Which is a different story altogether and not something that car insurance can help with.
Because a car accident isn’t something that you want to have happen, it’s highly unlikely that you will put any thought behind how to deal with it. However, it’s not worth taking the risk of being unprepared. It’s just better to know how to handle the situation. Especially if it’s a bad accident.
We can tell you right now that there are 3 key areas to focus on if you’ve been in a serious car accident; your health, your car, and then the legal consequences of the accident.
Dealing with injuries
Once the car has stopped moving, take a few seconds to get your bearings and assess whether you, or anyone in your car, is hurt. This the most important thing to check. Don’t move anyone that’s injured, because this could make their condition worse. Wait for the paramedics to arrive.
Some insurers include an emergency assistance service, like if you’re insured with King Price, you can call their emergency assist line to arrange transport to the nearest hospital for anyone injured and a tow truck for your car. This gives you so much more peace of mind than trying to work out who to call, or if an ambulance has already been alerted.
If you’re insured with King Price, save their emergency assist number on your phone: 0860 50 50 50
Dealing with your car and the claim
There’s a lot going on for you to remember. Don’t move the injured, find out if the paramedics are coming (make sure to call your insurer to find out if they’ll send someone), etc. And you’re probably feeling quite shaky, making it even more difficult to figure out what to do next.
Once the paramedics are on their way (if they’re needed), you need to do a few things before you can depart from the other driver and the scene of the accident.
Here’s a quick list of things to do:
- Don’t say anything that implies that you’re responsible for the accident.
- Only let your insurer’s approved tow truck service tow your car, or you’ll have to pay for it.
- Get the other driver’s details, including their name, contact number, ID number, and car registration and description. Anything else you need from them can be requested using their contact details.
- Report the accident to the police within 24 hours and get a case number for your claim.
- Report the accident to your insurance company straight away and be super honest about all the details of the accident.
Dealing with the legalities
Your insurer might be able to refer you to attorneys who specialise in helping third parties who are victim to car accidents. For instance, King Price might refer you to Bauman Law, as all their top attorneys belong to this firm and they will ensure to help you get the justice you deserve.
If you’re going to go down the legal route, then you need to make sure that you don’t leave out any details when you’re explaining the incident to them. This ensures that they can make the strongest case possible on your behalf.
If you don’t have the king of insurance backing you, then what are you waiting for? Get a commitment-free insurance quote to find super cheap insurance for your car today.
— Arrive Alive (@_ArriveAlive) May 29, 2019