What To Do After A Car Accident That Is Not Your Fault?
If you’re unfortunate enough to be involved in a car crash, the nightmare of dealing with insurance companies can be long and arduous, especially if the fault of the accident is not your own.
It is important to remember what to do if another driver crashes into you, because if you don’t get the right details it can be incredibly difficult dealing with the other driver’s insurance company, as many drivers who are responsible for crashes are reticent to report the accident and suffer the insurance premiums.
Gather the Necessary Information
The driver who crashed into you is responsible for reporting the accident to their insurer. However, it is important that at the time of the crash, you gather these pieces of vital information, so you can contact their insurer too:
Other driver’s name and address
Other driver’s insurance company name and policy information
Statements and contact information from witnesses
Take pictures of the accident scene – most smartphone cameras are suitable
Some of the top insurance companies have a mobile app which helps you document the accident through a checklist which tells you how to best gather information to bolster your position on the cause of the accident.
Notify the Right People
Inform the other person’s insurer that you have been involved in an accident with one of its policy holders, relaying only facts of the accident; the police will determine who is at fault for ticketing purposes.
Even if you feel you have not caused the accident, contact your own insurance company anyway; it will establish your good-faith accident-reporting effort and can aid you if the other party’s insurer denies responsibility.
The last thing you want is to have to pay out a large sum of money on repairs for your brand new or used cars, especially if the accident was not your fault. So, ensure you stay calm in the moment, and gather the appropriate details.