Road Rules vs. Courts: 5 Key Points to Remember When You are in an Accident

People tend to get into a bit of a frenzy when an accident occurs. It comes out of nowhere, there may be a loud crash, and people may be hurt. It’s understandable that you may become confused and not think straight. However, the aftermath of an accident is when you really need to keep your head. This will help you to have an easier time with medical and vehicle insurance companies, law enforcement officers and lawyers.

Here are five things you need to keep in mind.

Accepting blame is a no-go

Do not accept blame without speaking to an attorney. Even if you strongly believe the accident is your fault, avoid admitting this to the other party or parties.  Sometimes it can be hard to attribute blame even in accidents which seem straight forward and accepting blame can leave you financially liable for damage or injuries.

file a police report instead and give a detailed account of what occurred. Let the insurance companies determine who was at fault. 

Visiting a doctor is key

See a doctor. According to dmv.org, you should see a doctor as soon as possible after an accident has occurred. You should do this even if you don’t think your injuries are serious since pain and dizziness can sometimes emerge days later. You may also need evidence of your medical condition if you need to seek legal help after a car accident. Waiting too long to seek medical attention may make it difficult to prove that your injuries resulted from the accident. It is important that you do not settle with the other party until all your medical treatment has been completed. You never know what complications may arise later.

Keep detailed records

This should begin immediately after the accident once you’re physically able. Take pictures of the location of the accident, road conditions and the damage to your vehicle. Shoot both wide angle shots which take in the environment and closer shot which clearly show the damage sustained.

Have someone take pictures of your injuries, if necessary. You should also record the diagnosis from your doctor and the required treatment along with any visits to chiropractors or physical therapists. Keep invoices, receipts and any letters. If you had to travel for treatment, keep proof of those costs as well. If the accident has impacted your ability to carry out your usual daily activities or reduced your quality of live, record this as well.

Have a source of emergency funding

Accidents can be expensive. Injuries need to be treated, vehicles need to be repaired and if the injury is severe enough, there may be loss of income while you are unable to work. Insurance payouts can take time. That’s why you need to have a source of funding for daily expenses and the additional ones resulting from the accident. Emergency credit cards, a helpful friend or relative or a line of credit are all options if you don’t have healthy savings.

Remember you’ll have to pay back the money regardless of where it comes from, so think carefully before you opt for a loan.

Accidents can be traumatic. Knowing ahead of time what you need to do if one occurs can make the experience a little better.