Auto Accident? What’s Next?

We often get questions about how to proceed with Auto Medical Claims! Personal Injury Protection is a great add-on to your auto insurance. It gives you medical coverage if you were ever in an accident! Call your broker to make sure you have this as an add on! Personal Injury Protection provides you with a dedicated amount to make sure your medical bills are covered from the auto accident. Most “at-fault” party coverage will not cover all of your medical claims and will only settle with you.

An accident is a sudden and often violent event. The following steps will help to ensure you are medically, legally and financially secure.

 

1. STOP

The law requires that the driver of a car involved in an accident must stop if anybody is hurt or if there is damage to any car.

  1. ASSIST THE INJURED

If you are able, your first duty after stopping your car is to check for injured persons.

  1. PREVENT FURTHER ACCIDENTS

Take all the possible precautions to prevent further accidents . Try to have someone stationed to warn approaching vehicles.

  1. CALL THE POLICE

Always call the local police department or highway patrol immediately, even where there are apparently no injuries or serious damage to property.

  1. IDENTIFY THE OTHER DRIVER

Get the other drivers name, address, phone number, license number of the car he/she is driving, and have him/her show you their drivers license and insurance card.

  1. WITNESSES

Get the names, addresses and phone numbers of any witness as soon as you can — both eyewitnesses and all others who might have some information.

  1. ASSIST THE POLICE

Remain at the scene until the police arrive. Cooperate with the police by telling them the basic facts. Remember: you do not have to give an opinion as to the cause of the accident.

  1. TAKE NOTES

Be sure to notate the accident information from the other driver and his/her car. (Name, address, phone number, car license number, make and model type of car, year of car, driver’s license from other driver, other driver’s insurance information, has he/she apparently been drinking?, any verbal statement made by other driver as to cause of the accident, date of accident, time, location of accident, type of road, position of car after accident, location of any tire marks, glass, dirt, etc., did any car skid-if so, how many feet?, road conditions, did either car have its lights on?, traffic conditions, weather, traffic controls (traffic lights, stop signs, etc.), location of impact with other car, did any airbags deploy?.

  1. INJURED

Serious injuries do not always result in immediate pain or bloodshed. If no ambulance is available, have someone drive you to the emergency room of the nearest hospital. As soon as you are able, schedule an examination with your chiropractor. The onset of symptoms may be delayed by a number of days. However, it’s best to be seen right away.

  1. COMMENTS

Do not comment on the accident to anyone but your doctors and/or attorney. Keep your notes and information strictly to yourself. State law requires only that you give your name, address and license number of the vehicle you are driving and that you show your driver’s license.

  1. SEEK HELP FROM YOUR ATTORNEY

Call an attorney to discuss the accident. Consultations are usually free. He/She can advise you on what you should do next and help protect your rights. If you don’t have an attorney, our office can provide you with local recommendations.

https://www.driverknowledge.com/car-accident-statistics/

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September 17, 2018 · by  · in Clinic News · Tags:

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