There is no way to predict when you might be involved in a motor vehicle accident. However, you do have control over how you react after a collision occurs on a New York road. In the immediate aftermath of a crash, you should remain calm, assess your physical condition and call police to the scene for assistance.
Gather as much information as possible
Assuming that no one in your vehicle has been seriously hurt, you can start the process of documenting what happened. Typically, you will take pictures of the accident scene and obtain insurance and other information from the other driver or drivers involved in the wreck. It may also be a good idea to get statements from anyone who witnessed the collision take place. Finally, you’ll want to get the name and badge number of the officer who responded to the crash site as well as a copy of the report that he or she compiled.
Should you file an auto insurance claim?
A Consumer Reports investigation found that even minor accidents can result in repair bills of up to $6,000. Therefore, it might be a good idea to file a claim with your insurance company to help cover the cost of fixing your vehicle. You may also receive funds to help cover other costs related to the accident.
Typically, you will file the claim with your own auto insurance provider even if the other driver was at fault for the wreck. If the other driver is indeed found to be at fault, his or her insurance company should refund your deductible. It is also possible that you will receive reimbursement for other upfront costs associated with a crash caused by another motorist.
If you have been involved in a car accident, it might be a good idea to talk with a personal injury attorney. An attorney may be able to help you obtain compensation for medical bills or the cost of repairing your vehicle. A legal professional might also provide insight into how to obtain compensation from an uninsured driver.