What Not To Do After A Car Accident

service-page-NOT-to-do-after-car-accident

What not to do after a car accident is very important to know. No matter who is at fault, you should never leave the scene of the accident. 

Move away from traffic and make sure everyone is safe. Then either call the police or go to the nearest police station to report it. Before you leave the scene, make sure you exchange insurance information with the other driver. Under Illinois law, hit and runs are considered a

  • Class A misdemeanor if the accident involves property damage only. Punishable by up to 364 days in jail and a $2,500 fine.
  • Class 4 felony if the accident involves a personal injury. Punishable by up to three years in prison and a $25,000 fine.
  • Class 3 felony if the accident involves a death. Punishable by up to five years in prison and a $25,000 fine.
do-not-admit-fault

Even if you know you are responsible for the accident, the National Highway Traffic Safety Administration urges drivers from claiming responsibility. It is best to let professionals like police officers and insurance claims specialists determine who is at fault. At any rate, only provide facts and keep any personal opinions out of the report. 

do-not-forget-photos

Be sure to take plenty of pictures of the car accident scene and any damages to the cars and people involved. Be sure to include details like skid marks and the weather conditions.Pictures are a great form of evidence. Especially if the other party tries to deny your version of the events. They may try to commit insurance fraud and exaggerate the damage to the car or their injuries. Pictures will also help insurance claim adjusters with the claim process.

do-not-feel-pressured

Your insurance company may not require a police report to file a claim. However, it is always in your best interest to get one.  In Illinois, both drivers must report a car crash to the Department of Transportation within 10 days of the accident. You only have to report the accident if there is a death, injury or if the damage is more than $1,500. Not reporting an accident is punishable by license suspension. However, separate police report must be filed as well.

do-not-lose-temper

It is normal to be upset after a car accident. Losing your temper will afterwards will not make the situation better. Staying calm helps you think rationally, stay safe and provide helpful information to the police and your insurance company. Take some time and take a few deep breaths after an accident to calm yourself down.

do-not-ignore-delayed-pain

You may feel fine after a car accident, but it is important to not ignore any delayed pain. You may begin to feel some discomfort a few days or even weeks after an accident. This is why it is important not to sign a release after an accident. It is common for pain to be delayed after a car accident. The pain you can include headaches, pain the neck and shoulders, numbness and abdominal pain.

If you begin to experience any pain after the car accident, be sure to seek medical attention as soon as possible. As a result, these can be underlying issues for severe health problems. For example, abdominal pain is a common symptom of internal bleeding. Excessive blood loss can kill a person within minutes.

do-not-accept-unfair-settlement

A claims adjuster will offer the dollar amount he or she thinks the claim is worth and offer a settlement. After you receive the settlement, you do not have to accept this offer. Negotiate with the insurance company for a higher settlement if you think you deserve a higher one. You can do this on your own or hire an attorney to do it for you.  You may even respond with your own counter-offer.

If you have any more questions, be sure to give us a call at 888-949-6289 or visit one of our many Illinois locations. Our YouTube, Facebook, Twitter, Instagram also have many imortant topics about insurance and local news.