After an Accident

Source: Associated Source

My first and foremost advice is to go through insurance. I have been involved in two car accidents. In both cases, I was the victim, and in both cases, the parties who hit me did not want to go through insurance. What does that mean anyway?

Well, when you are involved in a car accident, there are some very important things you have to do at the moment (after pulling over to the side and after checking that every party involved is safe, of course). Get their full name, their driver's license number, the license plate number of the car that hit you, the make, model, year, and color of that same car, their insurance company, their policy number, and their contact information. Note the date, the time, and the place of the accident, and how the accident happened. Camera phones and digital cameras come in handy. Take pictures of the damage on your car, their car, and the overall accident. If there are any witnesses, get their contact information as well. If need be, call the police or 911. At the very least, get their full name, their phone number, and the license plate number of their car. Call your insurance provider that same day and report the accident. This is going through the insurance.

On the first accident I was involved in, a Ford 250 hit my Toyota Corolla. There was a domino effect. I was the first one hit and the two cars in front of me collected damage as well. The driver did not want to go through insurance because he was driving a company truck and did not want to get fired. I was fine with that and so was the second driver hit, but the last driver wanted to go through insurance. So we all went through insurance. An estimator came to my house, took pictures of my car, gave me the name of a possible auto body shop, and left. The insurance took care of the bill and the bill for a rental car.

There is less hassle and headache if you go through the insurance companies and so I will reiterate my advice. Go through insurance.