You need to be familiar with the insurance business and how it works. Utilize your insurer, ask questions and express your concerns. Most people don't know what to do in case of an accident because they weren't educated. The priority is everyone's safety, not the damage done to do the vehicles or objects. In a collision lives are threatened and certain steps need to be taken for your safety.
Most of the time you will need medical assistance; people can be injured internally! Insurance companies suggest you take every precaution and call 911. This is because not every injury is visual; in case of a mishap, your coverage will assist you and your medical status. If you are ever involved in a wreck but in good condition, you need to make sure the others are okay. Assist to those who are bleeding and stop it until professionals arrive to the scene.
Accidents block roads and traffic starts to build up. Blocked roads are a recipe for disaster, it is very hazardous when drivers are preoccupied with something other than their vehicle. Someone needs to be in charge of rerouting cars and helping traffic flow more effectively. Hopefully this will prevent any bumper to bumper incidents.
Every car has hazard lights for a reason. These need to be turned on immediatley, they make it easier to find help. After everyones wellbeing has been cared for the next step is tending to the damages done to the vehicles. You have to report the accident or else the insurance won't be able to step in and contribute. Make your claim and stay on the scene until everything is completed, you don't want any decisions made without you.
No one takes blame for the accident, they point fingers and get heated! It is important to stay as calm as possible and keep your story to yourself. Do all of your explaining to the police officer and use all of your energy to explain what had happened to them, not the other party! The situation is already difficult, do what you can to simplify it.
Don't leave out any details and collect all the required information before anyone leaves! There are certain numbers the insurance company must have to complete your claim! Make the process as easy as possible and do whatever you can to avoid a war!
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