No one wants to experience misfortunes, including an auto accident. But it can happen to us anytime. And we should know beforehand what might be our best response.
In this occasion, we are focusing on the legal matter of an auto accident. You will learn what you must and must not do in order to minimize your loss.
Avoid admitting anything
In an accident, do not immediately blame yourself for what happens. At its worst, you can be accounted liable for the whole mishap, and your own statement can be directly used to fight against you in court.
Even if the accident is minor, and no one gets injured, your guilt confession might make you lose your insurance claim. Bear in mind that an insurance company makes profits if their clients are not qualified for the policy. And in most policies, only if you are the victim of an accident, your claim can be smoothly processed.
Besides, your observation alone is not a valid source to recount the whole events of the accident. You need a neutral third party who can see through the case objectively. Learn more about how & why your account of an incident can profoundly affect the coverage of your insurance claim on this website. There, you will find more detailed information regarding the matter.
Always prefer to call the police
At some accidents, the second party may offer you the choice to solve the matter without involving the police. They may tell you that if there is the police gets their hands on the accident, the process will take a long time, and you are probably going to lose more money than if you resolve the dispute directly with them. The truth is, it is a bluff.
You can always make your case public and state an open complaint if dealing with the police officers brings you to an unfair result. But if you deal with the individual directly, and blackmailing happens, it is going to be your own fault.
Gather the most feasible evidence
Always assume that you do not know what happens. Right after an accident, the best thing you can do is to gather all hard evidence.
If there are witnesses, ask for their names and contacts. If you happen to have installed a camera in your car, save it, and get the video.
Also, identify if there is a security camera nearby. Sometimes, the road security camera might not have got your accident on film, but the nearby store’s might.
If possible, you should take out your camera and photograph the accident scene before any objects are moved or changed in position.