A car accident can be a scary situation. However, being at-fault for the accident can make the situation even more intimidating. In addition to dealing with your own troubles, you need to deal with the issues of the other driver. To ease your burden, learn what to do if you’re found at-fault.
What Should You Do?
Before you file the accident claim, you need to take care of a few key details. First, you need to check for serious injuries. Do you or any of your passengers have injuries? Does the other driver or their passengers have any? If so, you need medical help immediately.
After your accident, don’t hesitate to call the police. Even a simple fender bender can be a serious accident. Get the police on the scene as soon as possible.
If everyone is unharmed and the police are on their way, you should exchange details with the other driver. Be sure to collect their phone number, full name, insurance provider, and insurance policy number. Additionally, you should write down the time and location of the accident.
Finally, you should contact your insurance provider. The sooner you contact them, the quicker they can process your claim. Avoid waiting until the last minute.
What Can You Expect?
Often, people hesitate to call the police or their insurance company. They’d rather leave everyone else out of the situation. According to Cambre & Associates, this is a mistake. Contacting the authorities makes the situation a little more clear.
When the police arrive, they can determine which driver was at-fault. If you broke a law, they will issue you with a ticket. But it’s worth remembering that the police can make the situation less stressful.
The insurance company can explain the situation to you in detail. If you have any questions about coverage, they can answer them. Although people often worry about the accident affecting their policy, it’s crucial to call them. They allow you to resolve the situation with ease.
If you are at-fault for the accident, it’s likely that your policy cost will increase. This is true whether or not you receive a ticket from the police. Being at-fault is enough to raise the price of your policy.
What Do They Cover?
The amount of coverage you receive for the accident depends on your policy. If you have collision coverage, you only need to pay your deductible. Anything over the cost of the deductible is the responsibility of the insurance company.
In many states, your insurance must cover the damage that occurs to the other vehicle. There are a few exceptions, like New Hampshire. The amount of medical coverage the policy pays for depends on your state of residence. For example, Michigan and Florida require drivers to have car insurance that has medical coverage.
Making the Best of Your Situation
There are a few ways in which you can make the best of the situation. For one, you can get accident forgiveness. You need to purchase this before your accident occurs. Then, you don’t need to worry about rate increases after your accident. Before you purchase it, be sure to read all of the fine print.
After your accident, you should consider working with a lawyer. Sometimes, the accident isn’t as straightforward as it seems. You might not be the one responsible for the accident. Consider working with a lawyer to improve your situation.