Auto Insurance NJ Advice - What to Do After You Get in an Auto Accident
Auto Insurance NJ Advice - What to Do After You Get in an Auto Accident
It's sad and scary yet undeniableauto accidents do happen. Sometimes you can avoid them if you are careful, and other times no matter what you do you just cannot get out of them. Luckily, you have auto insurance NJ to cover damages. However, it is crucial that you behave properly after an accident to assure that you are covered. Here are a few things to remember in the event that you are involved in a collision.
If your car is drivable, carefully remove it from the roadFirst and foremost is your safety. For that reason, and for the safety of others, you need to steer your car off the road if at all possible. Leaving a car in the street can cause another collision to occur, needlessly endangering you and others. It will also stop up traffic and could even result in you receiving a traffic citation. Just remember, if you can steer it, then you need to clear it.
Get as much information down as possibleWhat usually happens after an accident is people exchange auto insurance NJ information. However, the contact information of the opposing party is not the only thing you need to write down. First of all, take note of your location. Are there any missing traffic signs? What condition is your car in? How many passengers were involved? Leave no detail out.
Find any witnessesIn case you and the other involved parties cannot agree on what happened, you need to see if anyone witnessed the accident. This could be essential when it comes to talking to the police and in the event that you must take the opposing party to court. Otherwise, it is your word against theirs.
Get a copy of the police reportIf the police file a report, you need a copy. Not only are you going to want it for your records, but your insurance company will want one as well. You also need it in the event that you need to hire an attorney.
Do not admit faultThe last thing you want to do is start saying "I'm sorry, it's my fault!" at the scene of an accident. Just get and give the facts. Call your insurance and ask them what to do next.
Take photosPhotos can come in handy when it comes to filing an insurance claim. Take pictures of both vehicles, especially close-ups of damaged areas. Also, you may want to take photos of where the accident actually occurred. Photographic evidence can do away with many disputes of damages incurred.
Get to a doctorIf the paramedics come and recommend that you go in to be checked out, do not decline. The worst thing you could do is decline and then start hurting down the road. You need a professional medical opinion immediately in case you need insurance to cover injuries.
If you get in an accident, follow the above tips to get the most out of your auto insurance NJ.