A car accident can be a stressful experience, no matter whose fault it is. If you’ve been in an at-fault car accident, it’s important to not argue with the other driver. Simply be polite and do not leave the scene of the accident. One of you should call 911 and report the accident immediately, no matter how minor it may seem. Even if you know you were at fault, always allow the police to determine who was at fault.
Here Are a Few Tips to Follow:
Never move anything until the police arrive unless the accident took place on a busy road such as a highway. Some states require you to move to an accident investigation area if the vehicles are drivable. This will depend on where you are when the car accidents occur. Taking a photo of the scene is a good idea especially since many insurance companies now use this evidence to assess fault and costs of repair.
It is best to call your insurance company immediately (when you wait for the police to arrive). Some people make the mistake of not calling their insurance for a minor accident that was their fault.
Failure to report an at-fault accident is considered a breach of contract by most insurers and some may refuse to represent you if you do so.
To avoid paying out of pocket, you must stay in good faith with your auto insurer.
Also, as the claim continues, you must stay in contact with your insurer to let them know when you will be getting your car repaired. They may request that you go to an auto shop in your area that they work with directly. This will speed up the repair process and make it less stressful for you. If you are entitled to a rental car, they may also be able to arrange that for you right at the auto center.
Many individuals fear that their insurance premium will raise because of an at-fault accident. However, policies will vary by company, but generally an accident will stay on your record for 3 years and your premiums will go up.
For those without an accident in the past, they may get a leniency, but this will be determined on a case by case basis. Whether or not your premiums will rise, you must report the accident to the authorities and your insurance company as soon as possible to avoid losing your coverage.
Understanding Insurance Claims in Your Area
With the help of our expertise, we can determine the right approach to initiating your insurance claim. At Bulluck Law Group, we are well versed in all things related to auto accident injuries, truck accidents, bike accidents and any other vehicle accidents. We can offer you helpful information to make your insurance claim and/or personal injury lawsuit a stress-free experience. To get a free case evaluation, fill out our short form here.
To learn more about car accidents, read our A Comprehensive Guide for Car Accident Victims.