Life comes at you fast, doesn’t it? It especially does in the event of a car accident. Your life can flash before your eyes in a car crash.
To learn how to save money and get justice after a car accident, just keep reading.
What to Do in a Car Accident
Immediately after a car accident, breathe. Say your “thanks” that you’re still alive and check to see if anyone (including yourself) is injured. If so, call 911 for an ambulance and police.
Even if it’s only a minor fender-bender, you might want to call the police to get an official report to provide to your insurance company.
The next step is to pull over. All vehicles involved should pull off the road entirely to avoid traffic. Use reflective emergency triangles or flares if you have them.
At this point, you’ll want to exchange information with the other drivers. Although the amount of information exchanged varies by state, in general you only have to provide your name and insurance information to the other drivers. You should also get photos of any damage, the contact information of any witnesses, the police report number, and other drivers’ phone numbers.
After you deal with the other drivers, you’ll then have to deal with your insurance company. If the other driver was at fault, then you won’t have to worry as much about your vehicle and medical bills.
The other driver’s insurance should cover as many repairs as the policy allows for. It should also cover as many of your medical bills as it can.
If the other driver has insufficient insurance or none at all, then you’ll get a payout from underinsured or uninsured motorist coverage.
Pain and Automobiles
As you can see, the initial pain of an accident can be followed by the pain in the you-know-what of dealing with insurance and paperwork. The pain of the latter can sometimes outweigh the emotional and physical pain of the former. Reduce your pain by continuing to follow this advice.
Don’t pay cash for the other driver’s repairs if their minor damage was your fault. Even if the accident wasn’t your fault, you should still file an insurance claim. Get ready to pay a deductible.
The other driver’s insurance company will see if they were at fault. You’ll then have to get a repair estimate or an adjuster will evaluate the damage.
After an accident and at all times, be on the lookout for cheaper car insurance. Depending on your insurance company and the accident’s severity, your car insurance rate could increase by as much as or more than 50%. You should prefer a company that offers accident forgiveness to one that doesn’t.
Worst case scenario, you can find reliable junk car buyers in your area that will help you get additional cash for your vehicle
Some insurers will hike your rate by 10% even if the accident wasn’t your fault. Avoid such insurance companies and get the legal representation you deserve.
Seeing Stars in Your Car
Car accidents can be traumatic life experiences. Luckily, with the guide above, you’ll know exactly what to do in a car accident to reduce both the literal and figurative headaches that an accident causes.
For more guides to conquering the problems in your life, explore the How to section of our site.