Ten things to do when you are involved in a car accident
This year alone, car accidents in Nigeria have claimed 3,500 lives and typically get higher during the last three months of the year.
When you are involved in a car accident, there are several things to do immediately:
Remain calm- It can be quite a shock to see a road crash, especially if there are people injured or a lot of vehicles involved
Warning signs-Place warning triangle behind the accident to warn other road users,Look for markers on the road(sign post,popular junctions/places) or phone’s GPS to give the emergency service the exact location.
Don’t Leave the Scene – You could be charged with a crime if there are injuries or fatalities and you leave the scene. If it was a hit-and-run driver who crashed into you, chances are good that they either are uninsured or have warrants out for their arrest. Get any information about that runaway car if you can.
Make Safety a Priority – Check to see if anyone is injured or needs prompt medical attention. Move vehicles off the roadway and turn on flashers, set out warning devices. Stay far off the road; many people receive injuries after a crash from oncoming traffic that hits them.
Call 911 – Contact the police and report the accident with location. Wait for them to arrive. You may also be required to file a written report with the state.
Take Photos – Take photos of the scene and vehicle damage. Try to show all damage, open the hood if possible to include under-hood damage, and also damages to parts that are underneath the vehicle. Take photos of the other vehicle if possible, to verify their claims against your insurance.
Exchange Information – Each driver involved should exchange information that includes their name, address, phone number, driver license number, license plate number and insurance company/policy number. If any driver is not the vehicle owner, obtain owner information also.
Document the Event – Write down what happened before you forget details. Include descriptions of each car – the make and model type, color, damages. Do not make any written statement or verbal admission of fault.
Don’t Discuss Fault – Do not claim to be at fault and do not let the other driver tell police it was your fault. Do not discuss fault with any insurance representatives or that could reduce your ultimate settlement amount.
Car Care – Call a towing company if you cannot drive your vehicle due to damage. Call your insurance adjuster and make arrangements for them to inspect the vehicle to assess damage
