Crash Course: What to Do When a Wreck Isn't Your Fault
Accidents happen, but knowing what to do when they happen to you is essential when dealing with auto insurance companies. Insurance companies will try to get away with paying you as little as possible. Knowing your rights and what to do when the accident isn’t your fault will help secure you the best settlement possible.
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Watch What You Say
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An apology at the scene of the accident may be construed as an admission of guilt. It is a natural tendency to want to apologize for accidents whether they are your fault or not; be cautious not to apologize or say you were at fault in any way. Do not agree to a recorded statement. The insurance claims adjuster will ask you to provide a recorded statement of the incident. He will ask you questions that you may not, at that point, be able to answer accurately. It is within your right to say “no” to the claims adjuster. If you plan on seeking legal representation, try not to answer any questions without your attorney present.
Document Everything
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The more facts you have documented regarding the incident, the more accurate your insurance claim will be. Immediately after the accident, take notes regarding what happened, and when and where it happened. If you have a camera, take photos of both vehicles and any debris or skid marks on the roadway. Exchange information with the other driver, including personal contact information, registration and insurance information. Obtain a copy of the police report and write down the contact information of any witnesses who would be willing to speak to the insurance company.
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Call the Insurance Company
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If you are not hurt and are able to contact your insurance company from the scene of the accident, it is best to do so. This will allow the company to put the necessary processes in motion and act on your behalf. Since you are not at fault, it would be wise to contact the insurance carrier of the other driver involved. Provide that company with all the necessary details so it is aware of the incident, but do not say more than you have to.
After the Accident
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If you were injured in the accident, you are entitled to damages. This includes monetary compensation for physical, mental and financial damage you have suffered. Keep track of all your expenses associated with the accident, such as doctor bills, hospital bills and other medical bills you have paid. If you have lost time from work, get a statement from your employer detailing your salary information and the number of days you have missed. Having the necessary proof of your injury and the recovery process will help you receive a reasonable settlement amount from the insurance company. If you have been severely injured and plan on making a claim against the at-fault driver’s insurance, you may wish to hire an injury lawyer to help ensure you receive due compensation.
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References
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