When you’re in an auto accident you’ll probably regret that you didn’t take the time to actually read your auto insurance policy. Besides the fact that you should know just what you’re covered for and what you’re not, in reality the most important part of the contract you should make yourself totally familiar with is the section that explains in full what your responsibilities are as the insured if you in an auto accident. What you do immediately after you’re involved in an accident could make a great difference and either cost you hundreds of dollars or save you as a lot of money. This section will probably be called something like duties after an accident or loss and explains in detail your responsibilities if you are involved in an auto accident.
If you are in a minor accident your responsibilities will be slightly different than if you were in a serious accident where injuries were received and the autos were extremely damaged or totally destroyed. After a bad accident where people were injured, their injuries should always remain everyone’s main focus. It is imperative that you remain as calm as possible after an accident regardless of the injuries or damages sustained. Panic or anger will always be detrimental during this time when a cool head is very important. This can be a very stressful time for all and yelling and blaming one another will not help the situation at all.
Your auto insurance company requires that you do your best to keep the process following an accident moving along without any uncooperativeness on your part. It will mean that the situation will be resolved sooner if you do your part by assisting anyone in doing their particular job relating to the accident. Any reasonable request from the insurance company must be provided when requested. If you are subpoenaed for a court appearance, it is mandatory that you appear at any hearing or trial related to a law suit secondary to an accident or loss you were involved in. After an accident it is your responsibility to protect your vehicle from further damage and the other parties’ insurance company has the right to inspect your vehicle and appraise the damage before it is put into a repair shop. If you are injured in an accident, the other parties’ insurance company has the right to ask you for access to your medical or other records related o the auto accident or loss.
It would make it a lot easier when if you ever do get into an accident to be prepared before an auto accident or loss occurs. This will take some pressure off of you when something does occur. Keep a pen or pencil and a writing tablet in your car to record names, addresses, license plates, insurance information, and the facts of the accident or loss while it is fresh in your mind. If you do not have a cell phone with a camera you should purchase one of the disposable types of cameras in your car to record any evidence that is important regarding the accident, such as skid marks, etc. Always keep your insurance policy identification card in your vehicle along with your vehicle registration. This preparation will help make sure you get all the necessary information you need for your insurance company when reporting the accident and will also take some of the stress away if you are in an accident.