What To Do if You're in a Car Accident

Imagine yourself driving along a road, intent on your plans for the day, when all of a sudden, there is a car crash. Although nobody likes to get in car accidents, it can happen to anyone at any time, especially due to factors like speeding, driving under the influence of alcohol, or distracted driving. It was projected that 6.1 million automobile incidents in the US would be reported to law enforcement in 2021.

But most auto accidents don't result in fatalities. The majority, in fact, only cause minor injuries or property damage. Regardless of the outcome, you should always be ready for the unexpected and understand what to do in the event of an emergency.

This pamphlet offers helpful guidance on how to protect your safety in the moments following an accident.

What to Do Immediately After a Car Accident

In the chaotic aftermath of a car accident, knowing what to do can make all the difference for your safety and the overall resolution of the situation. Taking prompt and appropriate steps can make a significant difference and even save lives. 

Here’s a comprehensive guide on the immediate actions to take at the scene of an accident. These steps establish a strong foundation for your current and long-term challenges.

1. Assess safety

Check for injuries and promptly call emergency services if needed. Ensure that everyone is in a safe location away from oncoming traffic. Then, activate hazard lights to alert other drivers. If either car is smoking, move a significant distance away to ensure safety and immediately call 911.

2. Exchange information

When everyone is safe, gather essential information by exchanging names, contact information, and insurance details with the other parties involved, including witnesses. Also, see if any visible street cameras might have recorded the accident.

3. Capture the scene

Use your phone to take photos of the accident scene. Essential details to capture include vehicle damage, license plates, and the overall context. These visual records provide invaluable information for any potential legal action and insurance claims.

4. Involve law enforcement

Report the accident to law enforcement and ensure they generate an official report. However, only call 911 if there is an emergency, such as if anyone is injured or you feel threatened by the other party or the situation.

While waiting for authorities, avoid admitting fault or making statements that could be construed as guilt. Focus on providing accurate, unbiased information when asked.

Steps to Take After You Leave the Scene

Once you leave the accident site, specific actions will help protect your interests and streamline the post-accident process.

1. Seek medical attention

Seek immediate medical attention, even if you believe your wounds are minor or nonexistent. Finding and documenting any damage may need a thorough medical evaluation from a professional, as specific injuries may not exhibit symptoms immediately.

Follow the prescribed advice and treatment plans. Failure to adhere to medical recommendations could impact your ability to claim certain damages.

2. Contact your insurance company

Speaking of insurance, notify your insurance company about the accident as soon as possible. Provide them with accurate details and follow their guidance on filing a claim. Even if you can’t accomplish some of the necessary steps yet, you at least prepare the insurance company to receive your full report when you’re ready. A timely report is vital for a smoother claims process.

3. Document your version of events

While the accident is fresh in your memory, jot down your version of events. Include details such as the time, weather conditions, and any statements from others involved. This documentation can be valuable if there are discrepancies later.

4. Follow up on the police report

Obtain a copy of the police report from the scene of the accident. Review it for accuracy, and if you find any discrepancies, contact the law enforcement agency to correct the information.

5. Keep records of expenses

After the collision, keep a thorough record of all the costs incurred, including any out-of-pocket spending, hospital bills, and vehicle repair costs. It will be necessary to provide this information when requesting reimbursement.

6. Communicate cautiously with others involved

Be cautious about what you say to the other parties or their insurance and legal representatives. Avoid discussing fault or making statements that they can use against you. Stick to the facts when communicating and don’t offer information they don’t ask for.

7. Consult with an attorney if needed

If the accident involves complicated legal issues or if you are having difficulty processing insurance claims, see a personal injury lawyer. They can offer you guidance on your rights and options.

Keep in mind that the cost of a consultation and legal representation might vary significantly depending on the firm and your locality. For example, a car accident lawyer in Orange County will typically charge different fees than those in New York State.

8. Stay informed about your claim

Keep in regular contact with your insurance company to stay informed about the progress of your claim. If you encounter any challenges or delays, address them promptly to avoid further complications.

The Long-Term Impact After an Accident

You should think about any potential long-term impacts after an automobile accident. Knowing the more extensive effects could help you better prepare for any difficulties that may arise in the days, weeks, and months that follow the incident. This is a brief overview:

Some long-term impacts of an automobile accident include the psychological toll, possible legal action, and continued medical care after the initial acts and post-event measures. Examine your physical and mental health on a regular basis, and take care of any problems that arise.

To guarantee a thorough approach to your physical, emotional, and financial recovery, take the initiative in your conversations with insurance companies, lawyers, medical professionals, and your support network. You may have had distress from what you went through, so don't be afraid to join support groups or seek counseling to help you cope with the fallout.

Remember that when you think back on the situation and consider its short- and long-term effects, being educated and ready helps you deal with unforeseen circumstances. Even though being in an automobile accident hurts, how you respond to the aftermath will dictate how quickly you heal.

Originally published on Boston Business Post