Auto insurance can help ease an accident’s financial and logistical burdens, which is great news for all drivers. Even if you don’t think you are at fault, you must tell your auto insurance company about the accident. Your insurance might pay for your medical bills and car repairs, but how quickly and fairly your claim is dealt with depends on how much information you give after an accident.
Who took part in the third number?
If anyone is hurt in the crash, get them medical help immediately. You can always write down the license plate number and the police officer’s information. Make sure everyone involved in an accident gives you the following important details:
- The person’s name and number
- Numbers on license plates and driver’s licenses
- Their insurance provider’s name and contact information
- Information about any passengers’ insurance policies and how to reach them
- The most important details are the car’s make, model, year, and color.
You should also give your information to everyone else in the accident so that your insurance company can start working on your claim immediately. It’s important to know whether the person driving the automobile is designated as the principal driver on the insurance policy since people commonly borrow cars from relatives or friends.
Is it possible to find a piece of evidence?
Car accidents can leave you unaware of others who may be watching. But if everyone involved in an accident has a different idea of what happened, outside witnesses can be very helpful.
Most of the time, witnesses who weren’t at an event can more accurately tell what happened than those who were (or biased). Witnesses are often better able to tell what happened because they were not in one of the cars. It’s easier to see what’s happening when you’re not in one of the cars.
Most people who see something don’t care about how it turns out. So they might be able to give a different and unbiased view. They can also help find patterns and why an accident happened: If this is the fourth accident Joe Bystander has seen at a certain intersection, your insurance company should look into it.
Red Flags: Telltale signs of a fake accident claim
Call the police if you think something is wrong, even if other people tell you not to. When we’re angry about an accident, it helps to remember that, unless it wasn’t an accident, it happened for a reason. Fraudsters staged or caused fake accidents so they could get money from insurance carriers or the people who were hurt.
Even though 90% of incidents are real, there are some signs that something else is happening. Keep an eye out for older or more expensive cars, broken or moving slowly, and cars that change lanes a lot. It is also important to observe how a driver behaves. People who stage accidents often try to scare the victim into saying they were at fault, so they may act angry or threaten the victim.
When you suspect someone is fabricating an accident, call your insurance company and the police right away. The more you can say about the car and its driver, and the more likely your claim will be handled quickly and fairly.