In a car accident? Here's what to do next

April 05, 2013

If you have ever been involved in a car accident, you know that it can be a disorienting experience, to say the least. Just after the crash, it can be difficult to focus on what needs to be done next. However, in those crucial minutes after the accident, there are certain steps that you are well advised to take to protect yourself and others.

Listed below are things that should be done, if possible, when a car accident occurs. In order to remind yourself of the necessary steps, it can be helpful to print off a checklist and store it in your glove compartment.

Get off the road if possible and appropriate

If you are in a minor fender-bender, it is not necessary to leave the cars involved in the same position after the accident. Move out of the way of oncoming traffic to a safe spot where you can assess what to do next. However, in major accidents (or if your car is disabled), leave the cars where they are, as the police will need to file an accident report. Never leave the scene of the accident, or you can face hit-and-run criminal penalties.

Check for injuries

Once you are in a safe area, check to make sure everyone is okay. However, do not attempt to move anyone who has neck or back pain or is unconscious. Call an ambulance if necessary.

Call the police

If the accident involves property damage, physical injuries or death, it is important to call the police. When police arrive, request that a police report be submitted. Write down the names and badge numbers of the officers involved.

Gather information

Talk to the other drivers involved in the accident. Be sure to note their names, addresses, phone numbers, license plate numbers, and drivers' license numbers. In addition, get their basic insurance company information, such as the policy number and carrier name. Also write down the make and model of all vehicles involved.

It is also important to get information from any witnesses to the accident. Write down a summary of what they saw and their names, addresses and phone numbers.

Document damage and medical treatment

Take pictures of any damage at the scene, including any vehicles involved. Take photographs documenting any injuries you sustained. Review your pictures to make sure they are of acceptable quality and print them or store them in a secure electronic format. (Phones often get lost or broken and photos are lost forever.) Additionally, keep records and bills of all medical treatment received for injuries that were caused by the accident. All documentation can help you to recover fair compensation in a personal injury lawsuit or from your insurance carrier.

Obtain medical evaluation

Often people try to ignore injuries or "tough it out". Failure to obtain prompt medical evaluation may prolong your recovery or worsen your injuries. Almost all automobile insurance policies include basic medical payments coverage, so do not let financial concerns prevent you from seeking out necessary medical evaluation and care.

Consult an experienced attorney

Insurance companies are not on your side and may attempt to settle your claim for less than it is worth before the extent of your injuries are fully known. Further, while it is important to inform your insurance company of an accident, they often will attempt to take actions which will ultimately harm your claim, such as requesting a recorded statement (which you should not agree to). Therefore, it is a good idea to speak with an experienced personal injury attorney before calling your insurer. Additionally, an attorney can ensure that your rights are protected and that you receive all the compensation due to you under your policy and the law.

Article provided by Bollenbeck Fyfe, S.C.
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