Although you may take extra care while driving on the road, the risk of an accident cannot be eliminated. Dealing with a car accident could be stressful, and you may find it difficult to think clearly and respond properly.
Following are the six things that you may do in case your insured car has met with an accident.
- Stay at the scene
The most important thing to do is to stay at the scene. Do not drive away even if the accident is a minor one.
- Determine any injuries
You may assess any injuries to you or other passengers in your vehicle. Also, identify if other parties involved in the accident have been injured. You may call for an ambulance in case of serious injuries.
- Call the police
You may call the police in case of severe damage to property, physical injury or death. Ensure that a police report is filed so that you have an official record of the accident. You may need a police report while seeking a claim from your vehicle insurance policy.
- Exchange information
You may seek information of individuals involved in the accident, such as their names and contact numbers, license numbers, car make and model, car insurance details, and the names of the eyewitnesses, among others.
- Notify your insurance provider
The next step is to immediately report the car accident to your insurance provider. It is necessary to be truthful about the details of the accident as lying may result in rejection of the claim.
- Document medical treatment
In case of serious injuries that result in hospitalisation, it is necessary to keep records of your hospital visits, prescriptions, medical tests, and any other expenses that you may have incurred. This information may play a crucial role while settling an insurance claim or a lawsuit.
Importance of motor insurance in an accident
According to a report on Road Accidents in India 2016, published by the Transport Research wing under the Ministry of Road Transport & Highways, Government of India, the number of accidents in 2016 was recorded around 480,652. Given the rise in the number of accidents, it is important to financially protect yourself at all times. For this purpose, investing in a car insurance policy is necessary.
The motor insurance and third party insurance plan offer coverage against accidents. You may make a car insurance or a two-wheeler insurance third party claim in order to reduce your financial liability. Besides, such a policy pays for damages to your vehicle. Additionally, the policy pays for your hospitalisation expenses, thus preventing you from making out-of-pocket expenses. You may, therefore, invest in a motor insurance policy and enjoy the benefits it has to offer. You may buy third party car insurance online or visit your nearby branch. By doing so, you may enjoy peace of mind knowing that you are free from any financial liability in case of an accident.