- If you’re ever in a car accident, you’re probably wondering what to report to your insurance company. The truth is that you can file a claim for any accident that you’re involved in – as long as you report it quickly.
Insurance companies will give you a specific date and time to file a claim, and the clock begins ticking the moment you get into the accident. Here are some tips to help you get started.
Reporting a single-vehicle accident
If you are in a car accident and you are not the at-fault driver, it’s important to know the law regarding this type of car accident.
Your insurance policy will cover any damages incurred as a result of the accident. To file a claim, you must provide the insurance company with detailed information regarding the accident.
You should gather the contact information of any witnesses, take pictures of the scene, and write down the details of the accident.
It’s also important to report any road conditions that might have contributed to the accident. You might be able to file a claim with the entity responsible for maintaining the road, such as the city or state.
A call to the Calloway County E-911 Communications Center about a single vehicle accident on Sterling Highway was made Tuesday evening.
When responding units arrived, they discovered that the driver of a GMC truck had spun out of control and hit a light pole and power pole.
The driver and three passengers were not injured, but two were ejected from the vehicle and transported to the Murray-Calloway County ER.
Reporting a multi-vehicle accident
While it is difficult to determine fault in a multiple vehicle accident, there are ways to mitigate the damage and save yourself from the embarrassment.
First, seek medical attention. You don’t want to make a statement that may jeopardize your insurance claim. Remember, any injuries you have can weigh heavily on your car accident complaint. Also, consider the possibility of contributory negligence or comparative negligence.
If the accident involved more than one car, the drivers involved should exchange information and complete an MV-104 form. If someone is injured or killed in the crash, call 911.
If there are any domestic animals involved, contact their owners immediately. It is illegal to drive away from the scene of an accident.
If you are not at fault for the accident, you can make an insurance claim. The next step is to update your insurance provider. Finally, get a copy of the police report. It will help if you can prove that the other driver violated any traffic laws.
Reporting an uninsured driver
In order to get your costs covered after an accident, you should report the uninsured driver to your insurance company.
You can do this by filling out a police report, which the insurance company will need to assess the total damages of the accident.
This will protect you from being sued by the uninsured driver, who may offer to pay you money in order to avoid the legal repercussions.
In addition to filing a police report, you should see a doctor if you were injured in the accident. Your injuries may take weeks or even months to show up, which means you should get medical treatment as soon as possible.
Even if the uninsured driver is at fault for the accident, you should still report the accident to your insurance company. The police report is the most important piece of evidence you will need for any future legal claims.
You should also check out all about car accident settlement & multiple injuries from this blog post.
Reporting a pedestrian accident
If you have hit a pedestrian, you should stop your vehicle and exchange contact information, insurance information, and the circumstances of the accident.
If possible, take pictures of the scene, and reach out to witnesses. Report the accident to local law enforcement and the state department of motor vehicles.
If there are injuries, call your insurance company and medical providers. Injured parties should go to the nearest hospital for treatment. The driver should give a truthful statement to police.
When the driver fails to yield to pedestrians, they may be partly at fault. In some cases, the pedestrian is partially at fault, but they can also be blamed for not crossing a crosswalk or crossing against a red light.
According to the New York Vehicle and Traffic Law, pedestrians have the right of way. This means that a driver entering the road must yield to a pedestrian. Even if the pedestrian was part of the accident, he or she can still sue the other driver for negligence.