A car accident is never something anyone expects to deal with. However, car accidents are far more common than you might imagine, and knowing what steps to take next can help reduce stress. You can do a few things following a car accident that can help you navigate these difficult times and come out on top.
What Should You Not Say After a Car Accident?
Immediately following a car accident, you should not speak to anyone but the emergency staff and first responders that come to help report and clear up the accident. This is because it is very easy to lose your temper or let your emotions get the best of you if you talk to the other driver. You want your version of events to be clear and unfettered by the opinion of the other driver.
You should first talk with the emergency responders to see if you need to go to the hospital or if you need to seek medical care. If you do not, it is perfectly acceptable to stay on the scene and talk to the police or other responders about the accident so that they can create a report. You want to keep a clear head, be as direct as possible, and try to keep your emotions in check during the interview so that the officers involved can get a clear idea of what happened.
Should I Call My Insurance or Theirs in an Accident?
This depends entirely on if your state is an at-fault state or if they are a no-fault state. With a no-fault state, you will be responsible for repair costs, and your insurance will be covering the cost. If you live in a state where fault can be established, their insurance will be paying for repairs to your vehicle and any other costs associated with the accident.
Even if you are not filing a claim with your insurance company, you do need to contact them and provide the information of the insurance that the other person holds. Your insurance company will contact the other person’s insurance and will start the claims process. When it comes to repairs, your insurance company can help you file the claim with the other driver’s insurance and help you find a reputable repair shop that can help you get your car back on the road.
Contacting your insurance company is always necessary. However, you might not be filing a claim with them and may just be asking for assistance moving forward with filing a claim against the other driver.
Categorised in: Collision Repair
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