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What To Do If You Are In a Motor Vehicle Accident
When a motor vehicle accident occurs, it is easy to become confused and forget
to acquire necessary information. Even a minor accident can leave people nervous
and shaken. It's a good idea to keep a checklist of phone numbers to call and
questions to ask in the same folder as your insurance papers, in your car glove
compartment or console. Then when you need them, everything will be in one place.
- If anyone is injured, call the police for help and tell them you need
medical assistance. If anyone involved seems to be under the influence
of drugs or alcohol, tell that to the police when you call for help.
Always call the police whether there are injuries or not. Many insurance
companies will not cover an accident unless there is a police accident
report. Once everyone is safe, you can get the other information you
will need.
- Your insurance company will need: Full names, addresses and phone
numbers of everyone involved, including drivers, passengers, pedestrians
who might have been involved, and any witnesses.
Try to find out if anyone is injured or says he is injured; or if anyone
said "I am fine".
Make as many notes as you can about the accident itself. Get information
about the other vehicles involved, such as license plate numbers, make
and model. What was the weather and lighting like at the time of the
accident? Were any of the involved vehicles damaged? Was any of the
damage obviously prior to the accident, such as tail lights or brake
lights not functioning? Were any of the vehicles company-owned?
Be sure to find out the insurance status of all vehicles and persons
involved. If any drivers were not the registered owners, get the registered
owners' names, addresses, and phone numbers.
Did anyone take blame for the accident?
Get the names and badge numbers of any police officers who come to the
scene.
- You may wish to contact a personal injury attorney immediately. He
may wish to examine the evidence at the site and gather as much information
as possible.
- Contact your own insurance company as quickly as possible. If you
feel that, for any reason, your company may not be willing to cover
the accident, you should consider contacting a personal injury attorney
first. However, do not delay in contacting your insurance carrier. Most
insurance companies have requirements in the policy as to how quickly
you must contact them, and failure to do so might mean your claim will
be rejected. On the other hand, you should not answer any questions
or make any statements to the other drivers' insurance companies until
you have consulted an attorney. Be polite, but decline to discuss any
aspects of the accident until you have obtained legal advice.
- If you have been seriously injured, you will probably be taken directly
to a hospital emergency room. If you are not seriously injured, however,
do not assume that you are uninjured. Many injuries from vehicle crashes,
like whiplash, do not show up right away. If you do begin to suffer
ill effects from the crash, notify your health professional immediately,
get yourself checked out, and follow the doctor's instructions as to
care and follow-up. Failure to get medical care might have serious consequences
if you have latent injuries that only show up 24-36 hours later. Do
not neglect symptoms that are unfamiliar, or pain that appears hours
later. Report any symptoms to your doctor, however slight. Serious back
injuries can start out as nothing more than an aching back, but left
untreated they can cause major health difficulties. Furthermore, if
you do have problems your insurance company will need proof that the
problems were diagnosed and treated promptly, and that the problems
were related to the accident.
- If you can get a camera, it is wise to take as many photos as possible
of the accident site, the vehicles, and people involved, and any thing
else that might have bearing on how and why the accident occurred. Pictures
taken as soon as possible will be the most valuable. If you do not have
a camera, you might be able to buy a disposable one at a nearby convenience
store, or ask a passenger or bystander to purchase one for you. Don't
forget to take pictures of the damage done to all vehicles, license
plates, evidence such as street signs or lights, skid marks, etc. If
you have an attorney you plan to call, tell him you don't have a camera.
He may be able to send someone from his office to take the needed photographs.
Be sure to also tell you attorney about any other evidence you think
might be important, such as faulty street lights or signage, malfunctioning
equipment (seat belts, turn signals, etc.), weather conditions, etc.
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