Imagine driving through Countryside on your way to work. Your normal commute is uneventful until you stop at the last intersection before your office. While you came to a slow stop at the red light, the driver behind you did not.
The next thing you know, you are in the middle of the intersection hoping that you do not get t-boned by the traffic coming from the cross street. Fortunately, after the initial impact, the other cars in the vicinity did not hit you. But, you still have a bit of a mess on your hands after the rear-end collision.
The moments after a car accident are very important and often critical to an insurance claim. This is why it is important to know what to do after a car accident.
Pull of the road and call the police
If it is possible, after a car wreck you should pull your car out of the immediate line of traffic and call for emergency personnel. Also, be sure to turn your hazard lights on in order to be more visible to other vehicles passing by. The last thing you will want is to be involved in a secondary collision because a passing motorist did not see you. Even if it does not seem like anyone is hurt, it is always a good idea to call the police after a wreck. The resulting police report may be very important when it comes time to file an insurance claim.
While you are waiting for the police to arrive, take the time to exchange information with the other driver. This includes insurance information such as the agents' name and the insurance policy number. Also, exchange contact information with the other driver and text it immediately with your cellphone to ensure the phone number at least is correct. In addition, speak with any witnesses and obtain their contact information as well.
Do not apologize
It might seem natural to apologize for the wreck even if you were not at fault. Unfortunately, your effort to put the other driver at ease might be used against you during the claims process. The insurance company might interpret your apology as an admission of guilt and use that as a basis to deny your claim. If you do talk to the other driver, stick to small talk and do not offer your opinion on the accident.
If you have suffered an injury due to a car accident with a negligent driver, remember that you have options. You might be able to file a claim for your injuries and the damages to your vehicle.