Car accidents are scary, even when minor. At impact, flashes of hospital and car repair fees flash through our heads. Worst-case scenarios of disabilities and totaled cars echo through our brains. But, with a little bit of knowledge, car accidents can be a little less scary.
The first move
First, call 9-1-1. We want to make sure everyone is okay, and we want to document what just happened. The 9-1-1 operator can help with both, dispatching an ambulance to check everyone out at the scene and a police officer to file a report. Remember, do not minimize the accident or the potential of injuries because, if one does, the 9-1-1 operator may not dispatch either.
The second move
Before moving the vehicle, take pictures. This may mean that one will need to snap a few photographs before calling 9-1-1, but that is okay. Being able to see the impact, or at least how the scene looked directly after the impact can be a key piece of evidence when determining fault. Take pictures of everything, including both cars and any damage to the environment or other structures.
If one has a dashboard camera that has loop recording, ensure that the camera has stopped recording to ensure that the accident is not inadvertently recorded over as this footage is often the best evidence to determine fault.
The third move
Now, it is time for insurance. The police officer should have gathered this information as part of the police report, but be sure to get the other driver’s insurance and vehicle information. Then, call one’s own insurance company to report the accident. They can then get the process rolling for getting a tow and a rental vehicle.
The last move
Call a Dayton and Montgomery counties attorney. This is the most important step because it ensure that going forward, one has a point person that can handle contacts with all insurance companies, the other parties and even the police. We already have a busy enough life, and the attorney makes sure that the accident has as little effect on our lives as possible.