What to Do If You Have an Automobile Accident

It happened so fast you didn't have time to blink. The car ran the red light and slammed into you. As you sit stunned in your vehicle, it takes a few minutes for your mind to comprehend what just happened. At times like this, it's hard to remember the nine basic rules to follow when involved in an accident. That's why it is a good idea to review these recommended guidelines before you ever need them. You might be one of the lucky ones, the few people that never have an accident. But chances are strong that at some time or another in your life, you will be involved in an auto accident. So take a few minutes now to review these guidelines.

Although it may be difficult, especially if you or someone with you is injured, try to remain as calm as possible. Keeping calm will help you in providing any necessary aid or information that may be needed. Also, just because you are walking around, don't take it for granted that you are okay. Sometimes symptoms are delayed, so always go to the hospital and get checked out. It is much better to be safe than sorry. This will also help document any injuries you may have that might lead to future problems.

Never, ever, accept blame or responsibility for an accident at the scene. Even if it is your fault, do not make any apologies or excuses. You are opening yourself up for a huge lawsuit if you admit to being the cause of the accident.

Always, and I repeat, always, call the police. Even if the other party does not want to call them, for your own safety, insist on it. By contacting the authorities, you are following proper procedure and establishing verifiable information for future references. The police report is an extremely important document in the event of a lawsuit in the future.

Make sure all witnesses to the accident are listed along with contact information for them. In most cases, the police will want to talk to all witnesses and get their statements. That way you have an official record of their statements.

Always provide any necessary contact information, including your name, address, phone number, and the name and agent of your insurance company. Make sure you get the same information from the other party.

You will get a copy of the police report, however, it takes a week to ten days to get the report back. So for your own information, record all the facts of the accident as soon as possible. Include in your statement what happened, the names and addresses of the people involved, names of witnesses, any visible injuries, and the damages to the vehicles.

If you have a camera, even one on your cell phone, it is a good idea to get some pictures of the accident. A good tip to follow is to purchase a cheap, disposable camera and keep it in your glove box in case you do have an accident. Remember, a picture is worth a thousand words.

You should go ahead and contact your insurance company at the earliest possible time. Even if the accident was not your fault, the insurance company needs to know about the accident in case the other driver files a claim against you. And it is possible.

Last, but certainly not least, get in touch with your attorney. In fact, some people say calling an attorney is just as important as seeking medical attention. An attorney can advise you of your legal rights and your legal obligations. They can also advise you of any actions you might need to take as a result of the accident.

Accidents are frightening experiences. Following the simple guidelines above may help prevent the accident from turning into a legal nightmare.