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What You Should Do If You’ve Been Involved In An Accident That Wasn’t Your Fault

If you’ve been in a car accident that isn’t your fault, now is not the time to fall apart. There are things that you need to do in order to protect your rights and ensure that the other driver’s insurance company pays you what you deserve. Here are a few tips that you should keep in mind if you find yourself the victim of a non-fault accident.

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First, you need to make a record of the accident. This includes gathering pertinent information from the other driver such as his or her name/address/driver’s license number/insurance information/license plate number and more. In addition, make notes about what happened just before and immediately after the accident. Taking notes now will ensure that you won’t forget the tiny little details that can make all the difference in the world when it comes time to settle the claim. If you have a camera or video recording device, take pictures/video of the accident scene before vehicles are moved to preserve the scene. All of this documentation ensures that the truth will come out in the event others try to shift more of the blame for the accident on you.

Once you’ve left the scene, make sure to contact the at-fault person’s insurance company yourself – don’t just assume that person is going to do what they’re supposed to in a timely manner. Many people who are at fault in a car accident are somewhat reluctant to report what happened to officials. Keep that in mind as we go along. Report to that company the facts of the accident, regardless of fault. Ultimately, law enforcement will determine fault when they issue tickets, but insurance companies have a say in determination of fault that isn’t dependent on what the police capture. Make sure to contact your own insurance company, even if you do not believe you are at fault – they need to know what’s coming, and this establishes good faith and aids you if you end up having to file a collision claim in the even the other insurer denies responsibility.

Make sure you understand the other insurance company’s policy for repairs and doctor bills. Don’t assume that everything you need to do for yourself is going to be automatically paid – you might have to get “prior” authorization or lose out on funds that might have been available otherwise. Also, in dealing with that other company, you might find that what the other driver said doesn’t square with your account and that company isn’t willing to pay out on a claim. This is rather common, and one of the reasons having your own record is important.

You might end up wanting to file the claim with your own insurance company and save yourself some of these hassles. You might have to pay your own deductible, but you could be back on the road more easily than going the other route. You could get those funds back, as well, if your insurer gets payment for the claim.

If you have questions about your responsibilities if you are involved in an accident that isn’t your fault, contact reputable auto owners insurance companies Austin TX and get more information. If you need insurance, call today and get a free auto insurance quote Austin TX.

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