Staying calm and on task after an auto collision can save lives and get you back on the road quickly
An
auto collision can be an emotional and exhausting experience. Many
motorists drive defensively, take driver education courses and prepare
for stressful driving situations, but unfortunately vehicle collisions
still occur.
A
driver is responsible for knowing what to do if they are involved in a
collision. Even the most prepared and competent drivers sometimes find
themselves involved in a crash. It does not matter who is at fault, the
most important thing to do first is make sure everyone is OK, then seek
medical and law enforcement help and know what to do to protect yourself
from legal or financial problems down the road.
The
best defense to avoid any problems after a crash is to be prepared.
Keeping a pen and paper, disposable camera or cell phone camera, and
copy of your insurance card easily accessible at all times will help
keep you organized and decrease stress moments after a collision. Use of
a mobile app can help you properly document the event.
After stopping your vehicle, all motorists involved in an auto crash should follow these steps:
1. Assist the Injured. Quickly
check with those involved in the collision to determine if there are
any injuries. If medical attention is needed, call 9-1-1. If medical
attention is not needed, make sure you are not in imminent danger at the
roadside.
2. Control the Scene. Before
taking time to exchange information, get to a safe place. If there are
no injuries and the vehicle is drivable, safely move to the right or
left emergency lane. Some state laws require drivable vehicles to be
removed from the roadway to avoid traffic congestion. Turn on your
hazard lights and set out warning flares or reflective triangles. Do not
leave the scene of the crash, but find a safe place to remain until
emergency services arrive.
3. Notify the Police and Submit a Report. The
law requires you notify the police. No matter what either party says,
call the police and file a report. If the police do not come to the
scene to open an investigation, you can file a report by visiting a
local police department or automobile insurance agency in the days after
a crash. Having a report on file may help later if a liability claim is
filed.
4. Document the Scene and Exchange Information. It
is important to exchange and gather information with all parties
involved in the crash, including witnesses. Having this on file will
help complete any future paperwork or address potential problems. AAA
suggests that you document:
- Names
- Addresses/email address
- Vehicle Information including makes, models and years for all cars involved
- Vehicle identification/license plate numbers
- Driver’s license numbers
- Insurance carriers and policy numbers
- Take photos of the location, people involved and damaged vehicles
5. Notify Your Insurance Carrier. Your insurance carrier will need to be notified following a crash to start the proper claim filing. Many
insurance companies have staff available 24/7 and can assist
immediately. Having proof of insurance in your vehicle is required by
law and makes filing a claim easier if not at home.
6. Get Your Vehicle Repaired. You have the right to get your vehicle repaired at body shop of your own choosing.
7. Unattended Vehicle or Property. If
you are involved in a crash that involves an unattended vehicle or
property, take action to inform the owner. If you cannot locate the
owner, attach a written notice of the collision to the vehicle or
property, being sure to include your contact information and information
listed above.
Drivers
and owners of motor vehicles must be prepared to assume legal and
financial responsibility if involved in a crash, do not to let your
emotions and feelings get in the way of deciding who is at fault. Never
allow yourself to be pressured into admitting fault or giving an opinion
about the cause of a crash. If you wish, you can consult with an
attorney before giving a statement.
