If this trend continues, this year could see the total number of cases surpass the 598,635 accidents reported in 2023.
Given these alarming statistics, knowing what to do after an accident can make a significant difference. Here are the four biggest mistakes drivers tend to make after an accident:
1. Failing to contact your insurer first
Shock and confusion are natural whenever one is involved in a road accident. Once this subsides, you are likely to get out of your car, inspect the damage, and confront the other driver. Discussions, or even outright arguments, might ensue.
Unfortunately, these distractions might cause you to put off getting in touch with your insurer, or forget to do so altogether.
Delayed notification makes it difficult for your insurer to verify accident details, and increases the risk of penalties for late reporting to the authorities. So, remain calm and inform your insurance company of the mishap before making any further moves.
2. Engaging accident touts, towing syndicates, unscrupulous middlemen
You’ve surely seen them: individuals who appear almost immediately after an accident, often with a tow truck, to try to convince the drivers involved to use their services.
Falling for persuasive talk and authorising unethical operators to handle your vehicle post-accident can lead to complicated procedures, inflated costs, and substandard repairs.
Remember, most motor-insurance policies come with towing and related services, so use them!
3. Forgetting to collect evidence
Photos of the scene, third-party information, witness details, and visual proof of vehicle damage are essential to back up your report, substantiate your insurance claim, and avoid the unpleasant “he said she said”.
The collection of such evidence, however, is often overlooked in the chaos following an accident, so make sure you put your phone and communication skills to good use.
4. Providing conflicting statements and admitting fault too quickly
In the aftermath, confusion can lead to inconsistent accounts given to your insurer, the police, or to medical professionals. These inconsistencies can contribute to guilt or nervousness that often leads drivers to admit to faults prematurely.
These missteps can negatively impact your insurance claim, reducing your compensation or even voiding your coverage.
So, what should you do after an accident?
Here are five recommendations:
- Stay calm and contact your insurer immediately for hassle-free roadside assistance.
- Only engage approved towing services to avoid unnecessary complications.
- Gather evidence by taking photos, noting down details, and collecting witness statements.
- Opt for insurer-approved repairs to ensure guaranteed workmanship and warranty coverage for your vehicle.
- File a police report promptly, as reporting the accident within 24 hours helps ensure a smooth claims process and prevents potential disputes.