One of the most awful experience a driver can go through is an auto collision. Despite all training and education, car crashes are an inevitable part of life. When it comes to being in an auto accident, according to auto body shop Toronto companies, it’s important people know what to do, regardless of who’s at fault.
The first thing in car accident what must be done is to check on everybody
If someone needs medical aid, call for ambulance and then police to let them know what happened to protect yourself both legally and financially. Your best bet to shield yourself in the event of an accident is being prepared. This means having the following things on hand:
- Vehicle registration
- Driver license
- Cell phone camera/disposable camera
- Pen and paper
- Car Accident insurance
Don’t ever run or drive away from a car accident place because it can lead to criminal prosecution or demerit points. Instead, call 911.
When you should get police involved and what to tell them?
Be sure to look over people involved in the collision. Are there any loss of life? If so, call 911 to get them medical attention by having an ambulance called to the scene. If no one is injured, move to the side of the road. So you’re not in actual danger from other vehicles. Never stand between two cars to inspect the damage. You could compromise your safety. Let dispatcher on the line know:
- If people injured (if anyone is injured, do not move them)
- If there is an uninsured, unlicensed or unregistered driver
- If a vehicle is not driveable
- If more than $2,000 appears to have been done to the accident
Should the driver be unable to make a report, a passenger needs to file it or the vehicle’s owner upon learning of the car accident.
It should be recognized that auto body shops are not allowed to make collision-related repairs to vehicles that have no damage sticker on them. This sticker notes that the police were notified of the car accident. Auto wreckers are not allowed to destroy vehicles damaged in accidents without this sticker. Businesses must contact police before work is done if the vehicle doesn’t have the sticker.
Driveable vs. Non-Driveable Vehicle: How to Handle Your Vehicle after Car Accident
Sometimes car crashes leave a vehicle “crippled”, meaning you’re unable to drive it. If your automobile cannot be driven, you need to warn other drivers about your disabled vehicle. This mean doing one or more of several things:
- Turn hazard lights on
- Use warning triangles
- Use warning cones
- Use flares
Every passenger should exit vehicles and walk to a place they can stay safe from oncoming traffic – provided they have not suffered serious injuries.
If your vehicle can be driven, injuries are not too serious and it’s a safe area, move the vehicle out of the way of traffic. If you fail to protect your vehicle from additional damage, your insurance company may not provide adequate compensation. The only exception to this is when a serious injury or a suspected impaired driver is involved.
If the car accident occurred with an unoccupied vehicle or other property, you inform the owner of the damage you caused. If unable to find that owner, you need to leave your contact information on the damaged vehicle. Do not leave your license plate number or license number on the slip.
If the damage occurred to a safety device, parking meter or any kind of public property, make sure you let the police know right away, regardless of the cost of the damage.
Have an emergency preparedness kit in your vehicle in case of car accident
It may seem silly but have an emergency kit in the trunk of your car at all times in the event an accident with injury occurs. What should your kit contain?
- General first aid kit
- Warning cones/triangles
- Emergency road flares
- Booster cables
- Small tool kit
- Tire repair kit and pump
- Work gloves
- Disposable camera
- Flashlight, additional batteries
- Fire extinguisher
- Non-perishable food
- Bottled water
- Thermal blankets
- Hand wipes
Make notations about the collision scene and share driver and vehicle Information
One of the most important things parties involved in an accident need to do is get and share information with each other. According to CAA, the information you should get includes:
- Physical/email address
- Driver’s license numbers
- Insurance policy numbers and carriers
- Vehicle identification numbers
- License plate numbers
- Vehicle information (make, model and year)
- Pictures of location, involved parties and vehicle damage
When to Let Your Insurance Company Know About Car Accident
According to auto body shop Toronto, you need to let your insurance company know about the accident so that a claim can be filed. The majority of insurance companies have 24/7 staff on hand to assist you right away. The law demands that you have proof of insurance in the vehicle or on your person at all times.
Your insurance company will want to know the collision details – property/vehicle damage and any injuries. If you don’t tell them about the accident right away, you may find it a bit harder to have the claim processed. If valid, the insurance company will need to settle within the stated time frame.
It’s important to remember that police are not the ones who determine who’s liable for the accident. This is up to the insurance companies. If there are charges involved, it doesn’t mean a person is automatically liable for the accident.
SPECIAL NOTE: If you call your insurance company about the car accident, send a letter that outlines your claim’s details.
You should also know what your coverage limits are. If you’re unsure of what coverage you have, ask your insurance company. Many of them will connect you with a trained claim adviser to assist you during this trying time.
4 Things Not To Do After Car Accident
When it comes to auto collision, there are four things you must never do.
- Don’t take any money or talk about a settlement
- Don’t agree to letting the collision “go away”
- Don’t pay for damages at the accident scene
- Don’t take responsibility or sign documents admitting fault for the accident
What To Do If You’re Injured in Car Accident
If you’re injured in a car accident, you may be eligible for accident benefit coverage regardless of who’s at fault. The benefits you get, however, depend on the kind of injury you sustained.
If you sustained a strain, sprain or whiplash, your doctor doesn’t have to seek your vehicle insurance’s approval to pay for injury treatments – so long that you give them ample notice of the claim and follow their protocols.
Your primary doctor can bill the automobile insurer for treatments laid out in the “Diagnostic and Treatment Protocols” even if they’re not covered by Health Care Insurance. The protocols were developed in conjunction with doctors and were founded on current evidence.
If you suffer some other kind of injury, you have two options:
- Provide receipts for eligible expenses the Healthcare Insurance does not cover to your extended healthcare benefits coverage provider to be reimbursed.
- If any of the following applies to your situation, submit invoices for eligible expenses to your vehicle insurance company:
- You have no extended healthcare benefits coverage
- You’ve exhausted your extended healthcare benefits coverage
- Your coverage for extended healthcare benefits doesn’t meet the total cost for eligible expenses.
4 Things Injured Parties Should Do After Car Accident
- See your doctor right away. If you are taken by ambulance to a hospital, have the doctor on call assess you for injuries
- Have the police file an injury accident report
- Fill out a “Notice of Loss and Proof of Claim” form and keep a copy for your records. Send original forms to the insurance company (make sure you sign them). If you cannot sign and send the form within a specified time frame, let your insurance company know the reason and send them on. If you have questions about this form, your benefits and entire process, contact your insurance company or claims adjuster
- The insurance company will look over the form and tell you what benefits you can get after the accident. If additional information is needed, they will get in touch with you
Auto Body Shop Toronto
205 Hilda Ave. #512
North York, ON M2M 4B1