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What should you do if you’re in a car crash?

Being involved in a car accident – whether a driver or passenger – can  be an extremely traumatic experience.

Statistics show that for every person killed on our roads, approximately ten more suffer serious injuries. These injuries are often life-changing, not only for the injured parties, but also for their families and friends.

If you’ve been injured in a car accident caused by someone else, you should know your rights around making a compensation claim. Our expert personal injury solicitors can help you understand the claims process.

Call McGale Kelly and Co Solicitors on  028 8224 3621  or email info@mcgalekelly.co.uk. We are here to help.

What should you do if you’re in a car crasht?

Stay at the Scene
Never leave the accident scene until it’s appropriate to do so. If you leave, particularly where someone has sustained injuries or was killed, you can face serious criminal penalties.

Check on All Drivers and Passengers
Before assessing property damage, make sure everyone involved in the accident is okay. Get medical attention for anyone who needs it. If a person is unconscious or has neck or back pain, don’t move them until qualified medical help arrives, unless a hazard requires moving the person.

Call the Police
If there’s significant property damage, physical injury, or death, you need to call the police. Ask that a police report be filed in situations where police do arrive at the scene, and obtain the name and badge numbers of the responding officers.

Exchange Information
Get the names, numbers, addresses, drivers’ license numbers, license plate numbers, and basic insurance information from all drivers involved. If there are passengers, also obtain their names, numbers, and addresses. In talking to other drivers, try to be cordial and cooperative.

However, you shouldn’t apologise for anything at the scene. For example, if you say, “I’m so sorry I ran that red light! Is everyone okay?” you may be admitting legal liability for what happened. Immediately after an accident, it might not be clear who was at fault or more at fault. Therefore, try not to admit guilt unintentionally or unnecessarily.

Talk to Witnesses
Ask every witness what he or she saw. Get their names, numbers, or addresses, if possible. Ask locals if they’ve ever witnessed other accidents in the same place.

Inform Your Insurance Company
Promptly tell your insurance company you’ve been in an accident. Cooperate with them and tell them the truth about what happened and the extent of your injuries. If the insurance company finds out that you’ve lied to them about anything, you can get into serious trouble, including possible denial of coverage for the accident. Obtain and review any police report filed, so you can point out who broke what traffic laws or who was at fault.

Keep Track of Your Medical Treatment
Note any doctors, physiotherapists or other medical professionals whom you receive treatment from. Keep a detailed account of the treatments or medications you receive. Also, request copies of all medical reports and bills as these help you prove your medical expenses later.

Medical expenses are relatively easy to document, however pain and suffering is trickier to prove. Keep a record of how your injuries have impacted your daily life. Include any missed workdays, list any routine activities you can’t undertake, and describe how the injuries have affected your family life.

Take Pictures
Take photographs of any damage to your vehicle as soon as possible after the accident. Photos helps your insurance adjuster determine how much you should be compensated for the damage to your car and can help in court. Pictures of your car before the accident can offer a great “compare and contrast” to show the true extent of the damage sustained in the accident.

Get a Property Damage Valuation
Obtain your insurance company’s damage valuation. If you aren’t satisfied with how your insurance company has valued your vehicle, don’t give up. Get two independent repair estimates or replacement quotes. Assertively inform the adjuster of your concerns. If you can’t agree on your car’s value, consider mediation or consult a soliitor.

Use Caution in Discussing the Incident
Don’t talk to anyone about the accident other than your solicitor, your insurance company, and the police. Don’t talk to a representative of another insurance company, without the knowledge of your solicitor or insurer. If called by the other insurance company, be polite, but ask them to call your solicitor or insurer to arrange an interview. Also, tell your solicitor or insurer about the call.

Be Wary of Early Settlement Offers
Be careful if you’re offered a settlement from an insurance company. Confirm all your physical injuries have been treated. Some injuries don’t show up or reach their greatest level of discomfort until many days, weeks, or months later. Don’t settle a claim until you know you’ll be compensated for all your injuries, and consult a solicitor before signing any settlement documents.

Hire a solicitor
If anyone was injured in the accident, it’s best to consult an experienced solicitor who can help you maximise your recovery if you’re injured or better defend yourself if you’re at fault.

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