Although driving has become a lot safer over time, car accidents still affect millions of people every year. They can happen to anyone and can be very frustrating and upsetting. This is especially the case if you are involved in an accident that wasn’t your fault.
Something that can make the situation less stressful is knowing what to do when it happens. A surprising number of people don’t bother to learn this in advance and they don’t know their rights either. This is a short guide to everything you should do after an accident that was caused by somebody else.
Find somewhere safe
The very first thing you should do in the case of any accident on the road is find a safe place to stop. Ideally, get your vehicle off of the road if possible. Then, you can offer assistance to anybody who needs it, and call the emergency services if medical assistance is required. If vehicles are damaged or there is debris left in the road, notify the police, even if nobody was harmed.
Gather information
In Australia, you must exchange information with any other drivers involved in the accident by law. Not doing so is not only illegal, but it will affect your insurance claim.
For the purpose of your insurance claim, there are several pieces of information that it is sensible to gather. You may wish to keep this checklist in your car so that you have it to hand if you ever need it.
- Personal information of those involved: You will want to make a note of the full name, address, telephone number, driving license information, and license plate of any drivers involved. Also take the name and contact details of any witnesses or police officers who attend the scene.
- Photographs: Take photographs of the damage to any vehicles and surroundings, as well as the scene of the accident and any debris.
- Accident report: If the police turn up, they will probably have to submit an accident report. You can ask them to notify you when this is ready or ask for a copy at the local station afterwards.
Accidents can be tense situations. If the other driver refuses to give you their information or becomes aggressive, do not argue with them. Even though you might be thinking “I’m in the Right,” it is best not to escalate the situation. Call the police to assist you instead. They can help to determine who’s responsible.
Visit the doctor
Injuries can be invisible or slow to show up, and they can even be caused at slow speeds. Get a medical exam to be safe. In some areas, this may be needed for your insurance claim.
Know your rights
In Australia, you have the right to be compensated for all costs you incur as a result of the accident. This includes the towing and repair of your vehicle and the provision of a replacement vehicle. You need to notify your insurer right away, although it is the at-fault driver’s insurer who needs to pay. You have six years to make a claim, but the longer you wait the harder it may be.