What To Do After A Car Accident
July 2nd, 2008 Posted in Helpful Information | No Comments »
By Eric Peters, Automotive Columnist
If you get into an accident — especially a relatively minor, “fender bender” type of accident where there are no major injuries involved, just some bent metal — how do you proceed?
The following checklist might be helpful:
1) Make absolutely sure no one is seriously hurt.
Anything more than minor scrapes and bumps means call 911 first. Request that EMS and police (in that order) be dispatched to the scene; make it clear to the operator that there are people who need medical attention.
2) Wait for the police to arrive.
Some recommend moving the vehicles off to the shoulder — for reasons of courtesy and safety. However, moving the vehicles may also make it less clear who is at fault — and who gets a ticket, as well as the blame when it comes time to settle the bill with the insurance company.
Best advice: Turn off the engine, turn on the hazard lights, remove the keys — and wait for the law to arrive. In states that have “no fault” laws, obviously, this is less of an issue. In that case, and assuming the vehicles are operable and it’s safe to do so, go ahead and move them out of the way.
If possible, you can direct traffic around the accident scene. If the conditions are dangerous — lots of cars, heavy traffic — it is smart to get away from the cars and just wait for the cops to show.
Other drivers may be annoyed by the inconvenience, but given that even a minor accident can involve thousands of dollars in damage — and given that if you are found to be at fault, your insurance premiums may go up for several years to come — creating a temporary and probably minor obstruction to the flow of traffic seems more than justified, especially if you are certain the accident is the other driver’s fault.
3) Keep your conversation with the other driver pleasant, but minimal.
You are required by law to provide your driver’s license and insurance information to the other driver; but you are not required to discuss who is at fault or anything else about what happened. You want to avoid making any statement that could be used against you in court — or possibly in a lawsuit. For example, don’t talk about your state of mind, that you were “in a hurry,” or “didn’t see” the other car.
Express no opinion, one way or the other. Leave that to the police — and your insurance company — to sort out.
If you’re not a convicted drunk driver, should you still be required to have an in-car breathalyzer fitted (at your expense, ‘natch) to your next new vehicle?
