How to respond to an accident

How to respond to an accident
Having a car accident or facing a catastrophe is stressful; Even so, it is important to remain calm and focused.

What do I do after an accident?
1. Safety comes first
If the car accident is mild, move the vehicles out of traffic to a safe place.
Place the changes in “park” (park), turn off your vehicle and turn on the emergency lights.
If you have them, use cones, warning triangles or flares for added security.

   

2. Get help
Check for injuries; If you have doubts, call an ambulance.
Call the police, even if it is a minor accident. A police report can be very valuable in the claim process and help establish who was at fault.

3. Gather information
Gather information from others involved in the accident.
Drivers and passengers: names and contact information
Descriptions of the vehicles (make, model, year)
Driving license numbers
Plate numbers.

    

Insurance companies and policy numbers
Eyewitnesses: names and contact information
Location and / or direction of the accident scene
Name of the police officer and badge number.
Take pictures of all the vehicles involved and the scene of the accident, if it is safe to do so.

    

Do not sign any document unless it is for the police or for your insurance agent.
Be nice, but do not tell anyone that the accident was your fault, even if you think it was.

4. Submit a claim
You can start the claim process immediately at the accident site and add the details when things settle down.
File a claim online, use our easy State Farm® mobile application or call us at 800-SF-CLAIM (1-800-732-5246).
Notify your insurance agent as soon as possible.

What to do after suffering a car accident?
What to do after suffering a car accident?
Each year there are more than 12,000 car accidents in California, caused by driving at high speeds, distracted drivers, driving under the influence of alcohol or other narcotics, as well as problems in the environment. These reasons increase the probability of any person suffering a car accident.

If you have just suffered a car accident, you are likely to face feelings of fear, worry, anxiety, general malaise, or even some injuries to the body.

However, if you have the strength to get out of the car and you are in a safe place (avoid leaving it if your car does not move and you are on the road or a fast track), it will be important that you make a couple of recommendations in what you wait for the emergency services.

Check that everyone is well
Making sure that you, your passengers, and the passengers of the opposing car are well, will help determine if it is urgent to call the emergency services. The haste in these calls can save the life of someone who was seriously injured.

If a person is unconscious or has difficulty moving, it is best that the body is not moved until the paramedics arrive, as it could be a fracture that any movement could worsen.

Avoid staying in traffic
If possible, it is best to drive the car to the side of the road to prevent cars that continue to circulate in that area can impact and further injure those involved. Try not to get too far away, because you must stay on the scene until the police arrive.

Remember that accidents happen, and you are more likely to face serious charges if you run away from the scene than if you stay there. Even if the accident happened because of you and someone was seriously injured or even died, it is best not to run away from justice and cooperate with the police, fleeing from the scene will only make everything worse.

On the other hand, most of the people who run away from these scenes, end up impacting a few meters ahead, due to the adrenaline and anxiety caused by the previous impact.

Call the police
You should call the police to let them know you were in an accident. On the call they will ask if someone was injured and the exact location of the accident.

When they arrive, they must complete a report about what happened, trying to write down the names, the license plate number, and even the patrol number of the officers who arrived at the scene.

Keep calm, relax
Relaxing is the best method to avoid talking about more after an accident has occurred. It is important not to argue or apologize, as well as not blaming anyone or accepting guilt.

Many insurers take advantage of the first moments after the accident to obtain statements from the opposite party. If you make statements at once, you may later find that they were used against you to pay less compensation for the damages that occurred.

The ideal is to only talk to your insurer’s staff, the police, and preferably an experienced accident lawyer.

By providing information only to people you trust, you will avoid later surprises that accuse you of having caused the accident. Even if this happened because of you, try not to tell people outside your insurer or someone other than your lawyer.

Exchange information with those involved
It is important to obtain the names and phone numbers of each person involved in the accident, as well as obtain the name of your insurers to be in constant contact for the duration of the accident investigation.

Try to ask for this information to each driver involved in the accident:

• First name
• Address
• Phone
• Insurance company
• Insurance policy number
• Driver’s license number
• Plate number

Take pictures
Currently, almost all have a camera phone, so it is best to use it to take pictures that reflect the state of your vehicle and that of the other person.

It is best to take them immediately after the accident if possible. Even before moving the car, try to take a couple of photos. If documented from the beginning, it will be sufficient evidence to reflect how the incident happened.

Hire an auto accident lawyer
Even an accident where no one was hurt and the cars had small scratches, can become a nightmare if you do not have adequate legal representation.

Call your insurer
It is important to inform the insurer immediately that you were involved in an accident so they can send immediate help to the place. Explain how everything happened and the injuries presented by you or your passenger

Insurance law accident when Insurance a driver without auto insurance has an accident? Auto Insurance

Insurance What happens when a driver without auto insurance has an accident?

Auto Insurance

By law, drivers in almost every state in the country must have a minimum of insurance coverage in case they are involved in an accident and must compensate for damages caused to third parties with their vehicle.

On this basis, the civil liability system works in case of an accident. If all drivers have insurance, at the time of an accident, this will compensate: the repair costs of the damaged cars, the loss of personal property of those involved or third parties, the medical treatment and the claims for damages of the people involved in the accident.

The problem is that many drivers decide to get the most basic insurance, the minimum that state laws require to meet the requirements of driving legally, but this coverage is not always enough and then the problems begin. Not to mention that many drivers neglect their obligations and do not have insurance, in the hope that they will never see themselves in a mishap and that nobody will discover them.

Not having auto insurance is not only illegal in many states, but it is also quite inconvenient because the responsibility to drive then is in your hands and in the financial resources of the driver himself. If a driver does not have money to buy insurance, there is a good chance that he does not have the resources to face an accident claim.

This also means a big problem for people who do have insurance and who are in an accident where the other party of the crash does not have insurance. Then, they are forced to make a claim to their own insurance and this brings multiple problems in the future. For this reason, the insurance companies have coverage that can be added to the private auto insurance, which provides additional protection in case the driver with whom you may have had a crash does not have insurance, and you can do the same. claim to your insurer without consequences of future cancellations.

In other words, when you include in your policy the coverage of uninsured or uninsured drivers, if you have a crash with an uninsured or fleeing driver, the insurer will reimburse you as if it were the insurance of the insurer. another driver.

Two other benefits of this additional coverage are that:

It goes into effect if you are a victim of running over as a pedestrian or bystander.
Supplement the coverage of an uninsured driver additionally above the minimum limits, if this is the fault of the accident and the coverage of his insurance is not enough to complete the costs of the crash.

This insurance may also provide you with certain funds to repair your vehicle if you do not have insurance and a driver with uninsured motorist insurance coverage crashes and he is at fault. But you should not expect other drivers to have this type of insurance because they often do not select it as an option. The main reason is because it costs an additional charge to the premium, but the second and more limiting is that not all the states of the country allow the issuance of this coverage.

The use of uninsured motorist insurance

A case in which the coverage of uninsured motorists is used is when someone hits and runs away. In that situation, you may request your insurance to reimburse you for the costs of the damages caused by said runaway driver.

Another time that you see the use of this coverage is when you do not have insurance (it is not recommended because it could be illegal in your state to drive without insurance) and a driver hits and destroys your car. If the driver who hit you has uninsured motorist insurance among your insurance selection, you will receive the benefits of being able to fix your vehicle, courtesy of the insurance that the party at fault for the accident covers. However, you do not want to rely on your luck alone.

You surely want to be up to date with the law, acquire your private car insurance and drive with peace of mind, so ask about the various coverages that make up the personal auto insurance and make sure.