It is normal to be frightened after experiencing a minor car accident, especially if it's your first experience. However, it would be better to remain calm and, most importantly, involved in a legal process. This means there are necessary steps to take if you're involved in a minor fender bender.
1. Stop
First and foremost, you must stop the vehicle. Leaving vehicles where they were after a minor fender bender is not essential. Instead, pull over and concentrate on your safety. Once you are out of traffic, activate your hazard lights. If you cannot move your vehicle without causing more damage, you may need to leave it where it is, but be careful to activate your hazard lights.
Never drive away, even if it was a minor fender-bender or a scratch. In most states, the law compels you to stop your car at any accident scene. Leaving the accident scene even if it wasn't your fault is a hit-and-run accident, which is a punishable crime.
2. Call the Police After the Fender Bender
Once you have stopped, call the police and report the minor accident. Even if no one has been injured, the police work as a neutral third party and may be able to prepare a report that may help you in the insurance claim.
3. Check Yourself for Injuries
Fender benders may sometimes result in injuries. Call emergency services immediately if you or any of your passengers sustained injuries. It is crucial to inform paramedics about the specific nature of the damages when they arrive at the site.
4. Document the Scene of the Fender Bender
As you wait for the police, take pictures of the scene. This is essential because photos can reveal what caused the accident and the number of damages and injuries in the police report. Photographic evidence may be crucial for insurance claims and potential litigation. Document any damage to your vehicle and the other drivers. Additionally, if you have a dash cam, the footage can be an essential part of documenting the scene. Here are different ways to document the scene.
Exchange Information
Do not bring up the accident while speaking with the other parties involved. Even apologizing might be perceived as an admission of guilt for the accident, which could undermine your case later. Instead, concentrate on gathering contact information such as:
- Names, addresses, and home/cell phone numbers
- Photographing drivers' IDs and insurance cards
- Contact information of any eyewitnesses
- The license plate number of the other car
- The insurance company policy numbers and contact information
- Make, model, and year of the other car
Talk to Witnesses
Try to locate eyewitnesses as quickly as possible, since some individuals may not want to wait for the police or for you to complete taking photos of the incident. Request that witnesses explain what they observed and capture their testimony as a video on your phone or in writing. Photograph the witnesses and get their names, addresses, and home or cell phone numbers after a fender bender.
Cooperate Fully With the Police
Explain your side of the accident, be careful to keep to the truth, and refrain from exaggerating or making false statements. You can also show the police the photos to back up your information. Avoid lying to the police, since doing so may result in criminal charges.
5. Report the Fender Bender to Your Insurance Company
Contact your insurer as soon as possible to explain the accident from your perspective. Provide the adjuster with your documents, statements, relevant parties' contact information, and photographs. Do not communicate with the insurer of any other party unless your insurer instructs you to do so.
Minor fender benders can cause damage to your Cadillac, which a quick trip to the dealer can fix. Our dealership is full of Cadillac services that you may need. Don't hesitate to call us at 941-751-6886 or visit us at 4780 14th St. Monday - Saturday.
Categories:
News
