There are several schools of thought on what to do when it comes to motor vehicle accidents. Nevertheless, if you’re planning on going to court, or filing for an insurance claim, you need to follow some standard procedures to assess your damages. This may sound like a complicated task, but read on; you’ll be surprised at how easy the process is. Here is how to assess damages:
An accident can be overwhelming and fear-striking to the extent of paralysis, that we understand. However, in order to carefully handle the situation, assess the damages, and protect yourself and your loved ones, you need to stay calm and collected enough to take action. A strategy that usually helps is taking a deep breath, observing the situation, taking in as much data as possible, then acting based on your observation. Acting frantically, never helped, and never will.
As an accident takes place, it is important that you look for any human casualties first. If you, or anyone in your car has sustained any injuries, make sure you contact an ambulance as soon as possible. After making sure that all persons involved are in a relatively good condition, start looking for damages in your vehicle. Here, it is important that you properly document anything that you think may benefit you when it comes to getting insurance coverage.
Document the events
When assessing damages, you need to keep in mind that you will have to provide proof to the court, as well as, your insurance company. This is why we have a single point dedicated to the documentation. That way, when anything happens, you can easily bring out a notepad and list down the damages. Of course, it is a lot better if you were able to provide pictures of the incident, but a notepad can come in handy if your phone breaks.
Another important step you need to take when assessing damages is jotting down your own account, as well as other involved parties and bystanders, if you can. One thing is that you should make sure you’re providing a neutral account. Another thing is that when getting witness accounts, ask them for their contact information; that way attorneys can check the validity of your claims. If you know an attorney who handles car accidents, you’ll find that they’ll advise you to take accounts and they’ll also go into detail about why it is so crucial to the overall case in handling damages. Now, you may be asking what has accounts got to do with assessing damages? Well, if most accounts see you at fault, your insurance company won’t pay for your damages. This means more expenses for you. On the other hand, if the majority sees that you’re not at fault, it is more likely that your expenses be covered by your insurance company.
An accident is not all about money or insurance or assessing damages. Sure, these are all important aspects, however, human lives should be of utmost priority. So, before anything, we need to stress on how important it is that you make sure everyone is safe; even if you’re not the one at fault. You can take legal action later; yet, at the time of the accident, help out. Who knows? Maybe they’ll offer you an out-of-court settlement that takes care of all your expenses.