(PRWEB) June 12, 2013
After an accident, drivers aren’t always sure what the correct steps are to take. Getting through the process of dealing with an accident from the scene to the claim can be confusing and a little daunting. With a few simple tips, drivers can get through the accident and everything that follows as smoothly and with as little difficulty as possible.
At The Scene
Right after an accident, the first thing the drivers involved should do is to assess the situation to determine if reporting a car accident is required.
Should the Police Be Called?
The most important thing to do after an accident is to check for injuries. If anyone is injured, getting medical attention is the first priority, and the police should be called. Once its been ascertained that no one is hurt, run through a quick checklist to assess the accident and determine if the police should be called.
If the answer to any of these is yes, then the police must be contacted immediately and reporting a car accident is required.
Dealing With the Cars and Drivers
After these things have been assessed, move on to dealing with the scene.
Things To Avoid
At the scene of an accident, never admit to fault. It is up to insurance companies to determine who is at fault, and admitting fault at the scene could affect the claim. Avoid arguing with the other driver. Accidents can cause people to become angry and emotional; try to stay calm and avoid confrontation.
After The Accident
The next thing to deal with after the accident scene has been cleared away is filing a claim. Most insurance companies request that you file a claim as soon as possible after an accident. “It’s best to report an accident before memory fades and it’s hard to be certain of what happened, “ says Tammy Ezer of InsuranceHotline.com. When calling the insurance company, be ready with:
The claim will be assigned to an adjuster following the initial report, who will be in contact to take statements and assess the damage. If not already done, the vehicle will likely need to be taken to a collision reporting centre.
The insurance company will handle the claim and let all parties involved know what the next steps will be. It’s vital that everyone provide complete and accurate information to the adjusters to ensure a fair outcome. The fault determination rules Ontario will help the insurance company determine who is at fault.
About: InsuranceHotline.com is a free online insurance rate comparison service that directs consumers to its large network of more than 30 insurance companies and licensed insurance professionals and provides quotes based on the lowest rates available through its network. In business since 1994, InsuranceHotline.com does not sell insurance, is not a licensed broker, and is not owned in whole or in part by an insurance company, agent or brokerage; ensuring consumers get a truly unbiased quote.