Getting into a car accident can be a traumatic and overwhelming experience. Even a relatively minor collision can leave you shaken up, and more serious accidents often result in injuries that require medical treatment. As you deal with the aftermath of an accident, having an understanding of what to expect and taking the right steps can help the situation go as smoothly as possible.
Assessing the Damage
The first thing to do after a collision is to make sure you and your passengers are unharmed. If anyone is injured, call emergency services right away. Once you’ve accounted for injuries, assess the damage to your vehicle and the other car or property involved. Take pictures of the damage with your phone so you have evidence for insurance claims and accident reports. If vehicles are drivable, move them off the roadway onto the shoulder or nearest safe place. Turn on your hazard lights and set up road flares or triangles to alert other drivers.
Contacting the Authorities
In most states and local jurisdictions, the law requires you to contact the police after an accident if there are any injuries or major property damage. Calling the police to the scene allows officers to direct traffic, document what happened through an official accident report, and carry out any necessary investigations. Even if the accident seems minor, it’s still a good idea to call the police just to be safe. The officer can determine whether it’s necessary to file a report.
Exchanging Information
When speaking to the other driver, first make sure they are uninjured. Avoid admitting fault or blame. Politely ask to exchange insurance and contact details like names, license plate numbers and phone numbers. If there are passengers or witnesses, get their information too. Be sure to also document the make, model and plate number of the other vehicle. Having this information readily available makes the claims process much smoother.
Seeking Medical Attention
Some car accident injuries may not seem serious at first but worsen over time, like whiplash or back pain. For this reason, it’s important to get checked out by a doctor after any collision. Describe all physical symptoms you’re experiencing, even minor ones. Your medical records will document accident-related injuries should you need to pursue compensation down the line. In the days following the accident, continue monitoring yourself for emerging pain or delayed symptoms.
Notifying Your Insurance Company
You’ll need to promptly inform your auto insurance provider about the accident. Describe how the crash happened and provide details like the time, location and parties involved. Cooperate with any requests your insurer makes to inspect damage, provide official documents and submit a recorded statement about your account of the incident. This information allows them to determine fault and process your claim. Keep copies of any documents you submit.
Gathering Evidence
Along with photos and medical records, gather any other evidence that could be relevant to show what led to the collision. This may include the accident report, witness statements, data from the vehicle like the speed at impact if equipped with that technology, and even dashcam or nearby surveillance footage if available. Preserving and organizing documentation helps support your account when determining fault and liability.
Deciding on Repairs vs. Total Loss
If your vehicle sustained only minimal damage, your insurance will likely cover the repairs at an approved shop. In the case of a total loss where it’s deemed too damaged to repair, they will calculate the actual cash value of the vehicle and provide a payout accordingly. Review the estimate thoroughly so you understand what is covered. For any discrepancies, you can request a more detailed breakdown or an appraisal.
Rental Car Coverage
Many policies include coverage for a rental car for a short time while your vehicle is being repaired after an accident. There may be limits on reimbursement based on your plan. Understand the details so there are no surprises when you go to pick up a rental. Some credit cards also offer rental car insurance benefits that can help fill gaps.
Managing Health Expenses
Unfortunately, injuries caused by car accidents often come with medical bills for emergency treatment, hospitalization, surgery, rehabilitation and more. Use your health insurance to cover eligible expenses. For amounts not covered, turn to auto insurance and ensure you understand options like medical payments coverage and personal injury protection if you have them.
Deciding Whether to Pursue a Claim
You have the right to pursue financial compensation when someone else was at fault for the accident and you suffered losses like medical bills, lost wages from missed work and pain and suffering damages. An experienced Las Vegas car accident attorney can advise you on viable legal options based on the circumstances of your case. They can handle the claims process on your behalf while you focus on recovery.
Repairing Property Damage
If there was damage to your vehicle, work with auto insurance and approved body shops to manage the repair process. You may need to get a rental car in the meantime. Make sure replacement parts used are original manufacturer equipment. For damage to personal property inside your car, submit those costs to insurance as well. Read policies closely to see what is covered.
Replacing Totaled Vehicles
When a vehicle is totaled, use your settlement payout as a down payment on a comparable replacement. Research prices in your area so you select an appropriate next car. Check out dealership sales and even autos on Craigslist or Facebook Marketplace to find a good value. Prioritize safety features and be wary of vehicles with salvage titles.
Moving Forward After an Accident
Give yourself time to process a serious car accident. Let family and friends provide support. Seek counseling if you are experiencing anxiety, flashbacks or other emotional distress. When you feel ready, gradually work your way up to driving short, familiar routes again. Building confidence back up takes time. Stay alert and avoid distractions to help prevent another crash. Know that most people fully recover both physically and mentally.
Dealing with a car accident, from assessing the initial damage to managing medical care and insurance claims, can be a dizzying ordeal, especially when combined with shock and stress. Having an understanding of the key steps to take after a collision helps you navigate the aftermath as effectively as possible. Leaning on loved ones, medical professionals and experienced attorneys provides assurance so you can move forward. With patience and self-care, most people make a full recovery and return to normal routines.
