Before an accident happens:
Make Sure You keep in your glove compartment.
1. Your vehicle registration
2. Insurance card (make sure it is current)
3. Small notebook pad and pen.
4. Small first aid kit.
Review your insurance to make sure you have adequate coverage. Please remember that with your insurance policy you have coverage in the event the other driver does not have insurance. If you have $25,000 in insurance and the other driver does not have insurance then $25,000 is all the insurance coverage you have available to pay Your damages. Most people should carry a minimum of $100,000 worth of insurance coverage per person
After an Accident Happens.
1. Always stop if you are involved in an accident, this is your legal obligation. Even if you do not think there was any damage, any time you collide with something, you need to stop your car and exchange information. You may find damage to your vehicle later. If someone is hurt or you are blocking traffic call 911 otherwise use the non emergency number to call the police.
2. When an accident happens your adrenaline will be flowing. Do not say you are all right or have no injuries. Often people do not feel hurt until after the adrenalin rush and most people feel the worst on the second day after the accident. Do not admit to being at fault. You can show concern for the other people in the accident without taking responsibility.
3. If you are injured seek treatment immediately. Your car insurance has a provision for medical payment up to a minimum of $4,500 that can be used to pay your medical bills even if you are at fault for the accident. You paid the premium for this insurance so get treated if you are injured.
4. If you are not hurt then check to see if anyone else needs urgent medical care. If you can, try not to move the vehicles unless they are causing a major problem with traffic. If possible wait for the police before moving anything.
5. Avoid posting on social media sites like Facebook about the accident. These posts could be used against you later.
6. If you are not injured use the pad and pen in your glove compartment to record information. Get the names and phone numbers of anyone who witnessed the accident. The names, phone numbers, and insurance information of all drivers of vehicles involved in the accident. If the police refuse to make an accident report write down the name and phone number of the police officer that came to the scene.
7. Take photos of the scene. The more the better. If you are injured ask someone else to do that for you.
8. Contact your insurance company and make them aware of the accident.
9. Do not talk to an insurance adjuster for the other side before you talk to an attorney.
10. Contact an attorney to discuss your rights. We offer free consultations in cases involving personal injury.
Call us at (785) 841-4700 to set up an appointment