PEDESTRIAN.TV has partnered with Bingle to help you navigate the world of auto insurance.
The first is the first: we hope you never get in a car accident. But should the worst happen, we want you to be prepared. It is not surprising that you are unsure how to deal with it after a sting as this is never expected and you can get quite a big shock in the process.
It can be difficult for the uninitiated to determine immediately after an accident who is to blame in the heat of the moment. Conveniently, it’s not your job and your insurer will go to work to find out who is liable.
So there is no point in arguing with the other driver about who caused the accident. Instead, you have to do a few things. We partnered with Bingle to put together a simple little checklist so you know what to do after an accident.
A little housekeeping first
If my parents taught me something, if I’m ever in a car accident, I have to do it. First, make sure everyone is protected from hazards such as oncoming traffic and do everything possible to prevent further damage. Call 000 in an emergency. Whether you think you are to blame or not, do your best to stay calm, write everything down and not admit guilt or offer to pay for anything – this is all taken care of by as part of the claims process with your insurer .
Car accidents can be pretty terrible and that means your memory might be a little blurry later on. This is why it is important to take a deep breath and write down everything you remember. Oh, and do your best to share details with the other driver (or drivers). It may not always be possible, but if you can, be sure to ask about this important information:
- The full name, address, rego and telephone numbers of all drivers involved. Also take a picture of your license.
- Full names and phone numbers of witnesses.
- The insurance details of the other drivers or individuals involved (e.g. if someone’s property is damaged).
- Take lots of photos of the accident and damage (please be safe and keep an eye on the traffic).
- Our tip is to use the Notes section on your phone to write down everything you can remember about the accident including when and where it happened.
So when are you to blame?
As mentioned earlier, it is not really your job to find out if you are wrong – your insurer will sort this out. That said, here are some common cases where everything is up to you, according to Service NSW (this can vary from state to state):
- If you were driving alcohol.
- When you disobey a traffic light or sign.
- When you don’t give in (e.g. at a roundabout or intersection).
- When you leave someone else’s car behind.
And if * is * not your fault?
Basically, you are not to blame if the other person is 100% to blame. You could just go about your day-to-day business looking for a soy latte on the road if another driver does any of the above to cause an accident.
Is it possible that nobody is to blame?
In short, yes, it is possible. This is known as “no one responsible” and occurs when the damage is caused by something that the driver was unable to control, such as a car. B. Hail damage.
According to Bingle, there is another type of scenario where both parties are equally responsible – they call it “every bear owns”. An example of this would be when two people get into each other’s cars in the shopping mall parking lot, or when both drivers break traffic regulations at the same time. Keep in mind that in this scenario you may still have to pay a deductible.
If you are a beginner, remember that if you have a car accident, you can turn to your auto insurer who will walk you through the process of getting your own policy.
Image: Gilmore Girls