Car accidents are always a liability. The resulting damage must be paid for by the offender, which can sometimes reach up to thousands of pounds. If you’re the offender in question, and you only have a few hundred pounds in your savings account, then it’s likely that you’d see it instantly disappear.
Not to mention, the state of your mind post-accident will surely be a mess of stress and anxiety. Read on to find out what you should do after a car accident.
Know If You’re At Fault
Your whole dilemma depends heavily on who’s accountable for the accident. The scenario dictates whether your insurance claims fit the necessary requirements. Since there are various possible scenarios, make sure that you’ve fully read and understood your insurance policy. Also, keep in mind that you may be required to shell out a little bit of cash for an applicable deductible before getting your insurance. If you can, seek help from vehicle accident management companies for your insurance claims.
Most vehicle accidents involve two or more people held liable. In this scenario, the liability is shared by all in what is called a “split liability settlement.” However, there are also cases where only one person is responsible. Here are some scenarios that legally dictate that only one person is liable for the accident:
- A person admits being at fault at the scene
Be careful what you say post-accident during the incident. Statements like, “I’m sorry!” or other similar phrases or set of words that could indicate guilt can be interpreted as an admission of liability. To avoid this, refrain from saying anything if possible while you wait for your lawyer.
- Someone is high or intoxicated
Anyone under the influence of alcohol or psychoactive substances are automatically liable, according to the law. After all, driving under any kind of influence is illegal. Thus, even if the accident is the fault of the other party, but you’ve been driving high or intoxicated, you’ll have a hard time getting out of that sticky situation.
- Someone hits another vehicle’s rear-end
This is not in the law, but some judges or judicial officials often consider the one who hit the rear-end of the carable as the one liable for the accident. These are rare cases, so don’t get your hopes up too high. The percentage of this happening is so low that you might get struck by lightning first before this actually happens.
- A driver didn’t stop during a red light
Traffic lights serve a specific purpose—namely, regulating traffic. If a judicial official judged you guilty of disobeying the red light, you’ll definitely be held liable. In the eyes of the law, if you didn’t bypass the rules, the accident wouldn’t have occurred in the first place.
Document Necessary Details for your Insurance Claims
Three things you should do after the accident to help boost your chances of claiming your insurance. You need to back yourself up with legitimate evidence to help your personal injury claims or car insurance claims.
First, you need to record the details of everyone involved—these include their name, address, mobile number, and car registration plate. Next, it would help if you wrote a summary of the accident detailing all crucial information. Your summary can be used as contemporaneous evidence in court.
Taking pictures of the scene, or videos is even better. Should the case reach court, you can send the digitally captured media out as evidence. It would also help if you asked for the contact details of a key witness who can take a stand in court to help prove your innocence.
Do you need accident management services in the UK? Reach out to us to see how we can help you with your insurance claims.