If you live in Atlanta, car accidents are very common. It’s important to know what steps to take after a car accident to report it properly. Below are 6 things to do to protect yourself legally and financially.
1. Determine who was Injured
By far the most important thing to do after an accident is assess whether you or any passengers suffered any injuries. It’s important to note that injuries may not always be obvious.
Once you have assessed your personal injuries and that of your passengers, check on the occupants of the other vehicle to see if anyone needs help.
No matter what, you need to call 911 and report the accident. At the very least, you’ll want the police to make an official written report for legal and insurance purposes. Georgia is not a no-fault state when it comes to auto insurance claims. This means that before an auto insurance company will pay for your wrecked car, medical bills, or other pain and suffering, you need to show which driver was to blame for the crash.
2. Watch What You Say
Refrain from making statements that sound like an admission of fault. They could come back to haunt you during any legal proceedings. You also risk losing a claim against the other driver if he/she caused the accident and you suffer serious injuries.
3. Make Sure You Are in a Safe Place
Once you have assessed any injuries and called the police, move to a safe place where you can wait. Many people have been seriously hurt and even killed by other drivers who fail to see the accident on the side of the road.
4. Exchange Contact and Insurance Information
You may feel unsettled and panicky after an accident, but try to keep your cool. Remain calm so you can exchange insurance information with the other driver. This information is crucial when you go to report the accident and file a claim with your insurance company. Get the contact information of those who witnessed the accident, as well.
5. Understand Your Auto Insurance Policy
It’s up to you to know what your individual auto insurance policy covers. You need to know your deductible and the amount of coverage. Mostly, you want to understand your possible out-of-pocket costs.
6. Understand Your Medical Coverage
You also want to be aware of how much medical coverage you have. Your health insurance may have limitations or minimums regarding injuries from car accidents. As well, many auto policies only cover 80% of your medical bills from car accidents. Personal Injury Protection (PIP) may only cover 60% of your lost wages if you are unable to work. So, do your homework to see what costs will be covered.
One of the Final Steps to Take After a Car Accident
No matter what the cause of the accident, one of the most important steps to take after a car accident is consulting with an experienced Atlanta auto accident attorney. If you have suffered an injury, it is even more important to call a car accident lawyer before reporting the incident to your insurance company.
You want someone who is well-versed in insurance law, personal injury, and how Atlanta law works when it comes to traffic accidents.
Call the Car Accident Experts
Following these steps to take after a car accident can ensure you are protected. The Council & Associates is a premier Atlanta law firm offering legal counsel for individuals and corporations. We specialize in all areas of Personal Injury.
Contact us to schedule a consultation so we can review your case.