You're pulling out of a spot or changing lanes and
crunch!--another
vehicle is suddenly there and you're in the middle of a minor car
accident. Fortunately, nobody's hurt, and the cars aren't totaled, but
some damage has been done, and repairs will be needed. If you've never
been in a car accident before, you may not know what to do, and that
might end up hurting your wallet as much as it hurt your car. Here's how
to cover all the bases.
1
Look for the other driver's license plate number, make, and model. There's a chance that the other driver may drive off, so it's good to immediately look at the back of their car, say their license plate number out loud, and keep repeating it until you can write it down (or take a picture with your camera phone).
2
Turn on your hazard lights.
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3
Call the police as soon as possible. You might be under the impression that the police is called only if it's a major car accident or if somebody's hurt, when in actuality the police should be called no matter how minor the accident, particularly if repairs are going to be needed. The police report will help the insurance companies determine who is responsible for paying.
4
Get out of your car only if outside your car is reasonably safe or safer than in it. In a minor accident, your car is unlikely to be at risk of catching fire. Do not step out into fast-moving traffic--go out the opposite door if necessary. The police will be able to direct traffic away safely soon. Be especially careful at night. It is much better to have someone hit your car with you in it than to have him hit you unarmored. And it is much better to fail to attend to someone's minor injury very soon or to lose a witness who could say who should pay for car repairs than to have someone hit by a car.
5
Make sure nobody is hurt. Check yourself and the passengers in your vehicle for any injuries, scratches, bruises or disorientation.
6
Look for witnesses. If the accident happened in sight of a pedestrian, shop, or other drivers, ask them to stay on the scene until the police arrive so that they can provide statements. If possible, get their name and phone number.
Names, addresses, telephone numbers
Driver's license numbers
Each driver's automobile insurance company (including name, address, phone number, and policy number)
7
Tell the police officer exactly what happened. Be specific and don't exaggerate.
8
File a claim or a notification with your insurance company. There are insurance claims and insurance notifications. The last one is when you do notify your insurance company about the accident but do not claim repairs of your car. Depending on how high your insurance access is you might save a lot of money and no-claim years too. Example: replacing an indicator light unit at a local garage instead of claiming it on an insurance might save you something like £250. But do notify your insurance company about the accident anyway!
http://arizona-attorney-today.blogspot.com/2013/08/do-insurance-companies-have-to-sell.html
