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Conversation with that other driver

Determine that you are safe to speak with that other driver, even without the police help if you can do that calmly.

"If there has been any road sign rage, use extreme caution when speaking with that other driver," cautions Holeman.

"Collect and remove any belongings before leaving the car," Passmore says,

Whilst it is easy to chat while awaiting the police, don't acknowledge or apologize, even though you believe you are at fault. Don't be upset with that other driver. Don't blame another driver on site for the accident or take blame from witnesses at the site or from other drivers.

"It's better to avoid talking about who is guilty at the accident scene," Passmore states. Insurance companies will decide it.

Also, resist any possible injuries. "Immediately following an accident, you will not always realize how much damage is done – to either your body or car," explains Holeman. If you’re asked you or the passengers are fine, you could say, "Only doctors can determine our health." It's because you seldom know instantly whether you are physically injured or even if other vehicle passengers are. This could take several hours and days to emerge even for a minor collision.

"Keep to factual information when you talk to others," Holeman states. "Never have a discussion as to who is faulty or what kind of insurance you possess."

Don't make deals

Also, make no side agreements with some other drivers for receiving or making payments for an accident, even though that other driver may offer a substantial amount or even say that they do not have auto insurance claims.

Holeman cautions you "that a 'handshake agreement' on the spot with cash might lead you to significant expenses."

Gathering the Right Information

In order to protect yourself, and the car, you had several steps to take, and maybe you fail to gather important details. It is therefore important to keep your documents constantly in order.

"The valuable information you should always have in the car, such as registration, insurance proof, and the insurance professional's name and telephone number," Holeman says. "It is also a good idea to bring important medical records, including your doctor's name and known allergies," he said. Have identical information on hand or conveniently accessible for family and pets.

"Exchange only insurance and contact details" says Passmore when you start the document exchange process. You cannot claim anything against you that could be used later. Holeman lists

what insurance claims you can collect:

  • • Details about name and address
  • • Account number and the insurance provider
  • • License number of driver and number plate of license
  • • Vehicle type, model and color
  • • Accident site

Be sure to photograph or film any damage to both the vehicles, speak to witnesses, record everything that you can remember, or record audio or video information.

Furthermore, document wounds, weather conditions and road and everything that's related to the crash. With a smartphone, note-taking tools or mobile apps from insurance providers can help record the specifics of accidents.

Passmore stresses, "Insurance providers would want to ascertain the specifics of the accident, if police reports are produced, if witnesses as well as other information which may be relevant in respect of an accident, insurance providers would want to ascertain the specifics of the accident."

Holeman says if a mobile device is available, consider installing and the activation of the mobile application of your insurer even before the accident occurs, to speed up the claims process. A reliable mobile app could be crucial, since your insurer can deploy a tow truck to provide car rental options through the app, as well as recording accident information.

"You may be given assistance on the roadside, towing services, car rental or other assistance services, to support you in case of an accident, depending on your policy says Passmore.

Save medical reports and bills from the crash, since lawsuits or court may need them.

Starting a claim for auto insurance

Your insurance company should be contacted as quickly as possible.

"It will help speed up your claims process and help you with some other services which may be part of your policy," Passmore says.

While a claim process information is always available on the insurer's web page and mobile app, ask a question to explain something you may not understand. Everything you have the right to under those policies and the state legislation is important.

"Find which documents your insurer needs to provide—such as the 'claim proof' form," adds Holeman. "There is also a deadline to apply and find out when you could expect hearing from the insurance provider," he states.

"Your insurance company or another driver's insurer would probably like to examine your car to prepare an estimate of damages," Passmore explains. "You may want to consult a drive-in compensation center, an insurer-affiliated collision repair service or use a remote inspection software like the Smartphone App if the car has still been running."

Many insurers, in particular during the pandemic, have improved their digital auto insurance application process.

The use of mobile tools would allow you to manage your claim more quickly.


After filing a claim, the insurance authorities identify the faults and what you are going to get for repair or replacement of your vehicle, after it's calculated, with all the details that the insurer needs.

"Every company insurance adjuster gathers facts of the accident and determines, based on detail and State law, who is responsible, or to which degree either driver is responsible for damages," Passmore says. Passmore's study, explains the manner in which a fault is assessed.

The procedure depends on your place of residence, as eighteen states do have the no-fault insurance legislation and mandate your PIP policy to cover medical bills for accident-related injuries, income loss and any other expenditure, regardless of who is guilty.

Insurers use different approaches for deciding who is at fault in states without no-fault regulations. In certain jurisdictions, for example, the value of your claim is decreased by your fault percentage.

"Some states consider the fact that every driver is responsible for the accident and will allocate a percent of fault on the basis of their level of responsibility, depending on the information," says Passmore. "The courts will end up deciding, when disputes are unable to be settled."

"Whenever you have any questions, contact your health care provider or your state health insurance department," Holeman suggests.


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