Question:
Can you tell me the actions to take if I get involved in an accident with another motorist? What details should I obtain from the other driver? What happens if he refuses to cooperate? Should the police be notified each time you have an accident? Is it necessary to have witnesses on each occasion? What happens if both drivers do not admit fault? Should you tell your insurance company immediately after an accident? What happens to the no claims bonus in the event of your car or the other driver's car being damaged?
Is there a website that I can go to in order to find out general information regarding involvement in accidents?
Answers:
You don't have to call the police in the event of a straightforward accident. However if anyone is hurt, or if the other driver won't cooperate then definitely call them.
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You need to take the other driver's name, address, car registration and name of insurance company - and you need to supply the same information to the other driver.
If there are any witnesses, take their names and addresses. If there are none then so be it.
Do not admit fault at the scene of the accident - and there is no need to try to get the other driver to admit fault either. The insurance companies will sort that out between themselves. Simply get the information you need - that's all you should do. When you get home it's a good idea to write down everything that happened while it is fresh in your mind and also draw 'before and after' diagrams of the accident. The insurance company will ask for this information in due course.
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You should contact your insurance company straight away, and certainly within 24 hours of the accident.
There will not always be witnesses, obviously. But you will need to get the car's index number and swap name and addresses with the other party involved and also swap insurance details. If he doesn't co-operate, call the cops.
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Get the other drivers name and address,insurance company name and address,car reg number and model and take pictures of the accident scene if you can.If the other driver admits responsibility then get them to write it down and sign and date it.if there are any witnesses then take there details,then inform your insurance co.Then its in there hands,if its your fault you will lose your NCB unless it is protected.Always get a police report. Then immediately contact your insurance company. C.Y.O.A. ( Cover your own @ss)
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Also you should get info on the OWNER and reg number of the vehicle, as you may have a claim against the owner for example if they had allowed uninsured driver. If no injuries and all info exchanged at scene then no need for police unless you suspect false details. If you don't/cant give your details because of threatening behaviour then drive off but now MUST report to police, sooner the better(get in first!)Where can I find auto accident articles for Michigan on the internet?
immediately take down their number plate then tell them that so they dont run. phone number car make colour the amount of damage done photo would be good so they dont make more damage call the police. and their insurance provider. glMore Questions & Answers ...
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