If someone injures you in a car crash, knowing what to do makes it more likely you will get the compensation you need. Insurers are always looking to reduce payouts, so if you get something wrong, they may use it against you.
First, you need to ring the police. Not only because they collect evidence, but because it is a legal requirement in any crash where someone is injured. What else must you do?
4 steps to take after a vehicle crash
Following these steps is essential:
- Do not say too much: If you apologize or say that maybe it was your fault, the opposing driver can pass that information to their insurer to fight your claim.
- Collect more evidence: Use your phone to record the other driver’s details. You can also use it to grab photos or videos of the scene or note down the number of any witnesses.
- Get medical attention: You will probably be in a state of shock, which can numb the pain of any injury and confuse your thinking, so you might not realize the extent of your injuries. Even if you feel fine, you still need to get checked out by a doctor. Not only can a check-up preserve your health, but it can also preserve your chances of claiming.
- Inform your insurer: You do not want to say too much to the insurance company yet, but you need to advise them of the collision.
While you can file your claim alone, do not think the other driver or their insurer will play fair. They will look for ways to blame you for the crash. Understanding how to fight them and put the blame where it is due will be crucial to getting adequate compensation.