A guide on what to do if you are involved in a road accident as a car driver or passenger.
Panic sets in
.....If you are uninjured the most important point is to remain calm. There may be others who are injured in need of help. If you are certain that you havenât been injured, take some time to collect yourself. If you are injured and conscious equally you need to try and collect yourself and your thoughts.
Be aware of others, be aware of hazards and remain as calm as you can....
So no-one is seemingly injured? The easiest thing to do is the person who holds his hands up pays!
Wrong, on all counts.
If this goes to an insurance claim and you have accepted responsibility, it is likely that your insurance will be invalidated.
Settling a dispute on the side of the road is completely the wrong thing to do. Why do you have to have car insurance? It is to ensure that each driver is able to pay adequate and appropriate compensation for injuries to property and persons.
A roadside agreement affords you no protection whatsoever and it is here that, although you have your own insurance there are estimated to be 1.2 million drivers in the UK out of 34 million drivers, a staggering number who when you agree a deal on the roadside may not only be concealing their own position, but are responsible for your higher premium. Equally, enforcement of this unofficial agreement could equally become impossible.
What if you are injured – having called the Police and Ambulance services, what happens next?
No-one injured but you now find your car a write-off with not sufficient pay-out to enable you to by a car of equal value or poorly repaired – now what?
Your insurance Company will make contact to confirm the details of injuries at the scene and after negotiation with the other party they will tell you how much the actuary thinks you are entitled – now what do you do?
At this point you need to consider roadside accident legal advice to ensure your injuries are being adequately compensated.
Of course we often hear that lawyers are only in it to chase their own income, that however isn't the case, as they are able to provide you with independent advice.
Once Insurance Companies get into conversation, it isn’t any surprise that many injured parties seek independent advice.
If you have a road accident claim a Solicitor is able to take an independent view to both car repairs and personal injuries, to ensure that the accident on the road doesn’t leave you out of pocket.