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6 Mistakes You SHOULD Avoid After Car Accident

Key Points

  1. Spend your time on reporting the incident to the police instead of the car insurance company within 24 hours after the accident happened.
  2. The car insurance provider needs to be informed about any details of the accident or damage the driver may have.
  3. NEVER get away from an accident scene if you are involved in it.

After a car accident, there are many moments of confusion and panic as you try to remember what happened. The moments immediately following a car accident can be overwhelming, especially if you or another party has been injured.

The accident scene is a chaotic and confusing place. You might panic and forget about the things that should be done to protect you in the future after a car accident. Therefore, it’s a common mistake that many people make after an accident, which can jeopardize their future.

In this article, we are going to talk about mistakes that need to be avoided after being involved in a car accident.

Late Reporting of The Accident To Police

A wrong concept that drivers should call their insurance company after getting into a car accident. However, instead of informing your car insurance company, spend your time on reporting the incident to police within 24 hours after it happened. The police should be notified if there is going to be any type of insurance claim filed for an accident.

If you’ve had an accident and need to file a police report, don’t wait until the next business day. The officer will take your report even if it happens over the weekend! The insurance company may deny your claim if you don’t report the incident within this timeframe.

The other person in an accident may try to settle the matter personally without involving law enforcement. You must not agree to this as settlement without involving the police, as it is against the law and can result in more problems down the road.

You can delay reporting to police if there is a valid reason like being hospitalized or receiving treatment for your injuries.

Forget To Take Pictures

The most important thing to do after a car accident is capture the scene. Cell phone cameras are common nowadays, so you can take pictures of your damaged vehicle and any other evidence at hand with ease thanks in part due this modern technology.

However, drivers tend to forget to take important pictures after being involved in a car accident, which becomes a disadvantage when you are filing an insurance claim. The details of the scene are often just as important, and insurance providers will want to see them too. While filing a police report, pictures of the scene of the accident will be seen as proof.

Take Too Long To File An Insurance Claim

The car insurance provider needs to be informed about any details of the accident or damage the driver may have. It doesn’t matter if it’s minor and regardless of whether there is anything wrong with your vehicle. They need this information, so that they can process claims more quickly.

When you fail to report an accident, it could increase your risk of a claim application being rejected. Usually there is plenty enough time (7 days) for filing the proper paperwork and getting everything in order before any deadlines approach.

If you don’t tell your insurer about a car accident and it ends up being costly for repairs, then you will need to handle the burden on your own. This is a waste if you’d already purchased car insurance. If the third party files their claim against you without getting notice by your insurance company, you could become personally liable for the other person’s damages.

Admitting Fault

You may be confident that the accident was your fault, but admitting it to the police or an insurance company can create legal problems for you. If you start to apologize and it turns out that there is more for what happened, then your words will automatically mean nothing.

You should not lie to the police about what happened but other factors could have played a role in your crash. Admitting fault will prevent further investigation and you might lose the chance to know what is actually happening during the car accident.

Incomplete Documentation

There are certain requirements that need to be met in order for your insurance claim acceptance. In order to ensure that your insurance claim is processed in a timely manner and without any further delays, it’s important for you to provide all of the required supporting documents.

You should find proof if you want your insurance company to find in favor of the claim. Taking photos is essential to documenting your claim. Make sure you get shots of any damage and license plates involved in the accident as well!

In order to process your application, you will need the following documents too:

  1. Completed claim form
  2. Original copy of police report
  3. Copy of driver’s and policyholder’s identity card and driving license
  4. Copy of vehicle ownership certificate
  5. Photos of accident scene and damages to vehicle
  6. Police letter

Getaway From The Accident Scene

The moment you realize that an accident has occurred, your first reaction might be to panic and run away from the scene. Unless you want to get into more trouble, NEVER do so because it is important for police to determine what happened in order to find out who is at fault.

If you want to avoid having your claim rejected, don’t move from the spot. Instead, take pictures of the scene as proof for your insurance company. In the event of an accident, getting evidence helps you prove your innocence and make the claim process easier. If necessary, get statements or testimonials from witnesses near where it happened to help authenticate any settlement claims that are made.

Where Can I Purchase Car Insurance?

Well, through Policystreet, you are able to choose the best fit car insurance for you and your family. PolicyStreet is a financial advisor approved by the Central Bank of Malaysia, and provides a safe environment for users to purchase car insurance!

If you are not sure which car insurance fits your needs, you can read our article here. Policystreet provides exclusive deals with no hidden fees!

Conclusion

When you’re involved in a car accident it can be hard to think clearly. There are many moments where panic starts creeping up on us as we try and figure out what happened or why this terrible thing happened to us.

However, no matter how confused or panicked you are, you should always keep yourself calm, especially when the car accident is not that serious. Remember to take a picture of the accident scene as proof and prepare sufficient documentation if you need to apply for an insurance claim.

You should be aware to not run away from the accident scene and remember to report to the police and your insurance provider on time. Delaying on doing these tasks resulting in getting rejected on claim.

Click here to understand what you SHOULD DO after getting into a car accident.

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