It has been proven that car accidents are more likely to occur in the winter. The weather is colder, people are in more of a hurry, and stress-levels are at an all-time high during the holiday season. In order to avoid car insurance fraud, be sure to follow all of the following rules for follow-up after a fender-bender or car accident.
Pull your car over to a safe part of the road, and assess your and the other car’s damage with the driver of the other car. Be sure to stay calm and keep your temper in check. Shouting at someone, especially if it is their fault, will only worsen the situation and make them more likely to try and rip you off or get away without admitting to their mistake. Make sure that you and the other driver have verbally agreed on what exactly has been damaged on both cars, and if possible, take photographs of both cars at the time of the accident.
Do not leave the scene of the accident, even if it means missing a movie or arriving late to work or an event. It’ll help you out MUCH more in the long-run if you take the time to contact the police immediately so as to acquire a legal accident report. People can easily make up injuries over and damage if there isn’t an authority present at the scene of the accident, but a policeman can document any legitimate damage or injuries immediately. Be sure to speak directly to the policeman when they arrive about the specifics of the accident. If you get too wrapped up in what the other person is saying, there is a chance you will agree with something that isn’t true simply because you are under pressure and still in shock.
Don’t neglect to exchange the facts with the other driver. Get their name, address, phone number, and insurance type if possible. Give them your information in return, and don’t leave anything out. You don’t want to look like you are trying to get away with anything, so be completely honest. Get their car color, make, year, and license plate number.
Call your insurance agent or company immediately after the accident. If time permits, do so with the policeman present. Oftentimes they will be willing to speak with your agent or company, and will give them the legal description of what occurred. This will be especially helpful is the other driver makes up an injury later on. Insurance companies are much more likely to side with the person who took the precautionary measures immediately after an accident. Your claim will be processed quicker this way, and you will be on your way to fixing your vehicle and moving on hassle-free!