In the last Blog of this series the Basic Steps to take When You Are Involved In An Auto Accident were outlined. This Blog entry we will talk about some of the things you may want to say or avoid saying at the scene of an accident.
When you are involved in an auto accident with another driver it is best to respond as calmly as possible. There is always a certain amount of shock involved no matter how minor the accident. Whether it is your fault or not, it’s wise to keep your contact with the other driver to a minimum. Ask if they are hurt and need help, and then exchange insurance information.
Not every accident is all the fault of one driver, often auto accidents are the result of mistakes made by both drivers. Discussing fault at the scene of an accident is something I advise everyone to avoid doing, especially when it seems it could be one of those accidents where both parties share liability.
When an accident takes place it is common courtesy to inquire about injuries and make sure everyone is okay at the scene. In the majority of car accidents injuries are minor. If the other driver asks you about your injuries let them know if you need emergency help, if not I advise saying something to the effect of, “I feel fine at the moment; I guess we will see how I feel in the morning?”
The vast majority of auto accident injuries are soft-tissue strains or sprains, you know the things that can’t be seen. I recommend that anyone involved in an accident see his or her doctor soon especially if there is any stiffness or pain in the neck or back. Medical injury claims involving neck and back injuries need to be well established and documented and most people who are really hurt don’t delay seeing a doctor.
It’s also important to look at the damage to each others cars. I like to snap a few shots with my disposable camera or cell phone camera. Most people in the world are honest, but insurance statistics on fraud show there many who aren’t.
The most important thing is–Do not assume liability for an accident–unless it is cut and dry your fault and you are ready to assume financial responsibility for the property damage and possible medical claims of the other driver.
The next Blog in this series will discuss steps to take when you are 100% sure the other driver is 100% at fault.
Glossary of Insurance Terms:
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