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What To Do After A Car Accident?

IndianMoney.com Research Team | Updated On Wednesday, February 21,2018, 07:16 PM
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What To Do After A Car Accident?

 

No matter how safe you drive, you could meet with a car accident. A car or an SUV comes out of nowhere and hits you and before you realize, it's an accident. Accidents could be stressful and you would be in trauma. This causes you to make mistakes which could prove costly.

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What To Do After A Car Accident?

 

STEP 1 : Check yourself for injuries

 

The first thing you do after a car accident is you check yourself for injuries. Move your hands, legs and check the neck, back and head for injuries. Walk in a straight line to check for a concussion.

 

STEP 2: Call for help

 

Call an ambulance if the car accident has resulted in casualties or a serious injury. Call your Insurer's Road Side Assistant and they will tow your car to a garage for cashless repairs.

 

SEE ALSO: Insurance For Your Electric Car In India?

 

STEP 3: You have to collate evidence

 

Use your Smartphone to photograph the damage caused to your car and other peoples cars (say a third party), because of this accident. Also photograph the location of the accident. Photographs strengthen your claim. It could prove that the accident is because of the negligence of the other party.

 

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STEP 4: Collect some information on the other party

 

Take a paper and note down the Name, Address, email ID, mobile number of the other car owner who has crashed into your car. Jot down the car model number and the number plate of the car which was involved in the accident. Take down the name of the insurer of the other party (party involved in the crash) and the insurance policy number.

 

SEE ALSO: Good Driver: Pay Less Motor Insurance Premium

 

STEP 5: File a report with the police

 

Call the police to the scene of the accident, immediately. If they don't reach fast enough, visit the nearest police station and file an FIR. (First Identification Report). Give a description of the exact incident that took place and present your evidence. Note down the complaint number.

 

STEP 6: File an insurance claim

 

You now have to get your car back to work and the best way to do so is with insurance. These tips should help you make a successful insurance claim.

 

1. Schedule an inspection with the insurer

 

Call your insurer and ask them to send a surveyor to access the damage to your car. Be present when the surveyor comes over and show him the scratches, dents and breakages to your car.

 

2. Follow up on your insurance claim

 

Your insurer will go through the police report, the witness statements and all the evidence collected. The insurer will determine the party at fault and make an estimate of the costs.

 

3. Get your car repaired

 

Insurers have networked garages where you enjoy cashless repair facilities. Be Wise, Get Rich.

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IndianMoney.com Research Team

The research team at IndianMoney.com comprises of certified and experienced professionals who share the company's vision to make every Indian financially literate by equipping every Indian with right and unbiased advice. IndianMoney.com research team provides newsletters, articles, videos and FAQs on various financial products and concepts only to help you make wise financial decisions.

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