You’re driving along and suddenly, the unexpected happens – you get involved in an accident. Whether someone else ran into your car, you collided with another vehicle, or you hit a deer that jumped out from nowhere, knowing what to do next is crucial.
Car Accidents and You
Being involved in a car accident is shocking. It often takes a few moments to understand what happened and assess the situation. Your first thought is likely, “What happened?” Your immediate concern will be to see if you or anyone else is injured. This can be a dangerous moment if you are not prepared to handle this type of emergency.
All drivers should be educated in advance about what to do after a car accident. Each year across the United States, millions of motor vehicle accidents occur, with tens of thousands of fatalities. Periodically reviewing accident procedures can ensure you respond appropriately if you find yourself in this situation.
What to Do After a Car Accident
Here are 10 important steps to take after a car accident:
- Stop and Assess: Immediately assess the situation. Is anyone injured? How many vehicles are involved? Stay calm and quickly get clear of any potential danger. Do not leave the scene.
- Call 911: Notify the police of the accident and report any injuries. They can send emergency medical help if needed and will arrive at the scene to document the incident.
- Document the Accident: If possible, take photos of the scene before anything is moved. After the scene is cleared, take photos of the vehicle damage.
- Take Protective Action: Ensure everyone is away from the roadway to avoid being hit by passing cars.
- Move Vehicles: If possible, move all vehicles out of traffic lanes. If not, call a tow truck immediately. If you hit someone else’s vehicle or property and they are not present, leave a note with your contact and insurance information. If you harmed an animal, stop and provide care if possible, or call for help. If the animal is a pet and has died, try to determine the owner and notify them.
- Gather Information: Collect all the documents and information needed for your accident report. This includes your driver’s license, insurance policy information, and proof of financial responsibility. If the car you were driving is owned by someone else, you will also need their information. Get witness contact information and record or write down any statements they wish to make.
- Call Your Car Accident Attorney: Explain the accident and what you remember about the event. Make an appointment to consult with a San Diego car accident attorney.
- Contact Your Insurance Company: Report the accident to your insurance company and begin your claim. An adjuster will be sent to assess the damage and determine the payment. Do not admit fault or make any settlements with your insurance company before speaking with your car accident attorney. Doing so may reduce your opportunity to get compensation for damages. Your attorney will fight for fair compensation for your injury and damage claims.
- Car Care: Have your car towed to a body shop for repair estimates. Submit this to your insurance company for approval; they may not pay the entire amount. If repair costs are higher than the value of the vehicle, it will be declared totaled. You may have the option to buy it back or purchase another vehicle. Ensure you remove all personal items from your vehicle before leaving it anywhere.
- Official Report to DMV: File an official report with the DMV quickly. In California, you have 10 days to file this report using Form SR-2. If you cannot make this report, have your insurance agent or legal representative do it for you. This is required for all accidents where someone is injured or killed, or when damage is $1,000 or more. Failure to report an accident can result in your license being suspended.
Reporting Car Accidents in California
California is a “fault” state, meaning that you can pursue monetary compensation for damage claims from the accident. You can file a lawsuit to recover compensation. When filing your report, include current, detailed information about your insurance coverage. Reports are cross-checked by the DMV for accuracy. You are required to have liability insurance, or your driving privileges may be suspended. Filing this report must adhere to the time limits each state sets. Your car accident attorney will help you meet all required deadlines, ensuring you do not lose your opportunity for compensation.
The Importance of Preparation
In our mobile society, car accidents are common. Because of the constant risk and the substantial costs that can result from physical, mental, emotional injuries, work loss, and vehicle damage, you need to be prepared. These 10 steps to take after a car accident can help you navigate the aftermath and put you on the path to recovery.
References
- California Department of Motor Vehicles. (2023). Accident Reporting. Retrieved from DMV.CA.gov
- National Highway Traffic Safety Administration (NHTSA). (2022