Important steps to follow after a no-fault accident

There are certain steps to follow after an automotive accident. Of course, the most important is to address any medical issues or injuries resulting from the crash. If you or a loved one is in need of medical attention, remain still and contact emergency services for immediate treatment. Whether the accident stems from one or more at-fault drivers, it's important to take precaution when dealing with the aftermath of a crash. Firstly, stay calm. Don't allow the inconvenience of the situation to elevate an already unpleasant scenario. Here are the main steps to follow: This step of the process remains one of the most important facets of what to do after a car accident. We can't begin to emphasize enough how crucial it is to record every detail of both how the accident happened and who the at-fault driver is. These details include: name, address, driver's license number, insurance company info, witness contacts, and pictures of the scene. Without proof, the situation can be miscued in the wrong direction. For example, the at-fault driver could deny or make things difficult. When this happens, it's not a bad idea to call the police to help keep things amicable. Moreover, a police report will create more backing for your case in the circumstance that a settlement needs to be reached. Hopefully your involvement with an at-fault driver entails little to no injuries. By the time you get home you'll likely want to forget the accident even occurred. However, it is so important to take the extra time to write down every detail while the memory is still fresh in your brain. Basically, you don't want to let days or weeks pass before laying out the facts of the accident. This is why typing up a written document is the best way to go. When it comes to automotive accidents, the insurance agencies are meant to have your back. Don't wait to call your insurance provider after an accident occurs. Keeping them informed is a surefire way to keep all the details in order. In addition, you'll want your insurance provider to have an accurate account of the no-fault crash in case the at-fault driver's insurance company fails to cover compensation or damages. The best way to put it: your auto insurance provider is your body guard. In the instance that the at-fault driver's insurance denies coverage, you'll want your agency to challenge the other party with enough evidence about the crash. This includes the damages incurred and any personal injuries.

What happens if my car is totaled?

Most drivers would agree this is the most dreaded outcome of a no-fault accident. If your car is deemed totaled, the insurance agency will have to step in to calculate the amount of compensation needed for a replacement. This amount is drawn from the cost of the car and its depreciation cost. On top of that, the at-fault driver is responsible for paying the sales tax associated with buying a new car. Although you'll get the money back (eventually) for a new vehicle, this outcome creates major disruption to your daily routine. Just imagine having to get to and from work without your car.

Can I save money after a no-fault accident?

The only redeemable way to save money after a no-fault accident is by documenting everything precisely and keeping your insurance provider in the loop. Perhaps the scariest part of a no-fault accident, beside the chance of injury, is the ambiguity of the at-fault driver. You could have a perfectly decent experience where insurance takes care of everything. Or you could find yourself in the middle of combat with an uninsured driver. The odds are hopefully in your favor. However, it is pivotal for all drivers to take the initial steps seriously after a no-fault accident unfolds.