Driving on california's highways can be a risky proposition. Whenever you are in a vehicle, there's a risk of being involved in a traffic accident. Whether it's a small "fender bender" or a major injury accident, knowing in advance what to do can help you avoid costly mistakes.
This guide discusses what to do after an accident and what to expect when you file a claim with your insurance company. For your convenience, an accident checklist is contained herein which can be kept in your vehicle for future reference. When purchasing insurance, carefully review the application before signing to determine if the coverages, policy limits, and deductibles are suitable for your needs.
You must be financially responsible for your actions whenever you drive and for all motor vehicles you own. Most drivers choose to have an automobile liability insurance policy as proof of financial responsibility. If you have a collision not covered by your insurance, your license will be suspended. If the driver involved in the collision is not identified, the owner of the motor vehicle involved will have their driver’s license suspended. The minimum amount your insurance must cover is: $15,000 for a single death or injury. $30,000 for death or injury to more than one person. $5,000 for property damage caused by one accident.
Auto Body Repair Shops
Unfortunately, car accidents and other times of crisis may encourage scammers to take advantage so they can make a profit.
If you’re involved in a serious car accident, typically you or the police will call a tow truck company to bring your vehicle to a nearby auto repair shop or other facility. However, the national insurance crime bureau (nicb) warns of potential tow truck scams. In these cases, tow truck operators will arrive to the scene even though they weren’t called and offer to tow your vehicle. They typically charge exorbitant towing fees and bring cars to dishonest repair shops.
The repair process typically starts with an inspection. Insurance carriers usually handle it in two ways: if the damage is minor, you can have your vehicle appraised at your preferred auto body shop and send a repair estimate to your insurance company. Or your insurance company may opt for desk appraisal where an estimate is created based on photos. If the damage is severe, your carrier will likely send out an appraiser to inspect your car and provide an appraisal to you or your preferred auto body shop. If you don’t have a preferred auto body shop, your carrier may provide you with a list of shops they work with in your area.
Talk to the Department of Insurance
After the initial shock wears off, you might find yourself wondering, “what should i do in the days following a car accident?” you will need to employ measures to protect your legal rights, health, and wellbeing. You can do this by: seeking prompt medical care filing a police or accident report notifying your insurance company of the collision talking to a personal injury lawyer
whether an accident is considered a minor fender-bender or a major collision, calling the police is important — and in some states, it's legally required. The responding officers will fill out an accident report and document the scene. If the police can't come to the scene of the accident, you can go to the nearest police station and complete a report yourself, according to the iii. When you file a claim with your insurer, they may ask for a copy of the police report to help with the claims process.
Get to a position of safety. If you are able to do so, immediately move to the side of the road, or a position where you will be safe from any further accidents. Turn on your hazard lights. Assist anyone in your vehicle in doing so as well. Evaluate the scene and decide if you are able to assist anyone else. Call 911. Ask for assistance from law enforcement. Request emergency medical attention if necessary. Evaluate your injuries. Check yourself and any occupants of your vehicle as well as other vehicles. Take reasonable precautions, such as sitting/lying down, applying pressure to any bleeding, etc.