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What Do You Do After a Car Accident?

Any driver regardless of the driving experience may get into an accident causing damage and even health problems. It may be extremely expensive to cover all costs, and that is why auto insurance is so important. Anyway, an insurer may conduct its own accident investigation before processing the payment, and you should know how to act in both cases — when you are in-fault or no in-fault driver — to eliminate any delays.

What do you do when you are at fault in a car accident?

You should do several actions, including the following:

• Stop immediately and check if there any health problems or damage;
• Write down the time and the place of the accident;
• Exchange contacts with all drivers involved;
• Contact the police and tell about the accident;
• Contact your insurer.

So, what happens when your at fault in a car accident? You should not panic in this unpleasant situation because your insurer has to pay for repairing the other vehicle unless they are not fully covered by deductible. You will have to repair your vehicle using your own money unless your contract includes collision coverage. It is important to note that car insurance rules for covering damage and medical expenses may vary, so you should check out them for your state.

Likely, the amounts of your monthly payments for insurance will increase, and you will be offered new conditions when renewing your policy. Accident forgiveness will help you avoid this situation if you have purchased it from your insurer beforehand.

What do I do when a car accident is not my fault?”

Many people wonder whose fault is it when hit from behind in car? This is, probably, the easiest situation that can happen on the road. If an auto hits you from behind, it will, likely, not be your fault because there have to be enough room between cars. However, you may be partially in-fault in certain situations, for example, if there is a problem with your brake lights.

Anyway, you may have to spend time and efforts to get the payment even if an accident occurs not due to your mistake. Remember that you will be dealing with another insurer that may try to avoid covering your costs for different reasons.

To eliminate any complications, you should get the following information:

• Name and necessary contact details of all drivers involved;
• Name of an insurer and policy information of the other driver;
• Witnesses’ contact details;
• Pictures.

Today, lots of insurers have mobile apps that can be used to find some helpful info and/or to file a claim quickly and in a convenient way.