What to do if you have a car accident

By anakdenesor - Julai 09, 2020

What is meant to happen, will happen. If you involved in a car accident, here are the steps you need to take to deal with it.

The taught of getting into a car accident makes me scared. I'm writing this topic to share my experience with you guys how to deal with it. Yes! i have been into a car accident before this, happens around 2 years back. These steps can help you to make sure your car insurance is paid out.

See the damaged of my car..and sadly its TOTAL LOSS. It's means beyond repair. How sad I'm.

1. Stay calm

Most people will be panic or shock, that's is normal reaction when they facing with unexpected situation. First thing that you have to do is to stay calm and check yourself, if you not severely injured, you can exit the car and check the damaged of your car and other party,BUT if you're alone and you're a girl. Please stay inside the car and call your emergency contact such as friend or brother.

2. Move your car to the side of road

Move your car to emergency lane or side of the road to avoid traffic. Turn on hazard lights to alert other people on the road.

3. Exchange Information with other party

This is important. You have to take details of other vehicles and persons involved in the accident. This includes:

Car registration number.
Car model, model year and colour.
Driver’s Name, Address and Phone number.
Driver’s IC and Driving Licence number.
Take pictures of the damage, and other details, like name of the road, time of the accident happens
Witnesses’ Name, Address and Phone number.

4. Go to police station together

This to avoid other party cheat on you. If possible go to nearest traffic police station. You have to make report within 24 hours after the accident happen. You will need to fill in form and wait for police officer to investigate your case and police will give summons to the guilty side and you have to pay it within 1 month.

5. Call your insurance company

All insurance company will provide you with hotline number, they even can towing your car to the nearest police station. In my case i need to physically go to their company to submit all the documents that they asked in order to claim my insurance. All the towing cost will be cover by my insurance.

You will need:

Police report
Photocopy IC and driving licence
Insurance Cover Note
Picture of the accident(send by email)

6. Have to follow up

You have to be firm to deal with them and keep following them about your case. It could take you a month to 5 months. Always have to call them, email them until they response to your inquires.

What happens now?

Once you’ve made the police report and submitted all the relevant documents to your insurance provider, a loss adjuster will be sent to evaluate the damages done to your car and conclude the amount of which you’re able to claim from them. Bear in mind that claiming from your insurance will also result in losing your no-claim bonus that you’ve accumulated, which means that you’ll have to start paying a higher insurance premium the following years. (credit to ringgit plus)

*Total Loss*

If your car's status Total loss mean it is beyond repair and you have to pay the balance of the loan lump sum after your car insurance pay their part. Let's say the market price for your current car is 28K but the insurance company cover only 25K which means you have to pay extra 3K in order to clear out your name from the loan.

The most important thing is keep calm and always consult with your insurance provider to know exactly your rights and coverage are when you stuck in these kind of situations. Like my case they offer to do everything but i have to pay 5K to them. Crazy! Hell no I won't pay that to them. You have to alert all the time and be smart okay guys. May God bless all of us.

If you’re unlucky enough to be involved in a car accident, here are the steps you need to take to deal with it quickly and smoothly.

Read more: https://www.which.co.uk/reviews/new-and-used-cars/article/what-to-do-if-you-have-a-car-accident - Which?