Car accidents, minor or serious, can be daunting. Being aware of what to do right after an accident can keep everyone safe, meet legal standards, and make the insurance claim easier. Below is an exhaustive guide specific to Indian drivers:
1. Stop Right Away and Maintain Safety
It’s the law of India to stop your vehicle straight away after an accident, whether major or minor. Hiding from the scene can be prosecuted. Switch on your hazard lights to warn other drivers and, if safe to do so, shift your vehicle to a safe place to avoid causing further accidents.
2. Assess Injuries and Seek Medical Attention
Evaluate yourself and others present for injuries. If someone is injured, call emergency services right away. Dial 108 to get an ambulance. Even if the injuries appear minor, it is best to get medical help, as some symptoms will appear later on.
3. Report to the Police and Register an FIR
Report the accident to the local police. File a First Information Report (FIR) when an accident causes significant damage, injuries, or disputes. The FIR serves as a formal report and is typically required for insurance claims.
4. Document the Scene
Capture clear photos of the accident from various directions, including vehicle damages, license plates, road conditions, and apparent injuries. The visual documentation is essential in insurance claims and court cases.
5. Share Information with Parties Involved
Gather and exchange the following information with the parties involved in the accident:
- Full names and contact details
- Vehicle registration numbers
- Driver’s license numbers
- Insurance policy numbers and provider information
- If there are witnesses, get their contact details as well
6. Report Your Insurance Company
Report the accident to your insurer at the earliest. Give them all details, such as photographs, the FIR, and details about the other parties involved. Early intimation can help speed up the claims process.
7. File Necessary Documents for Insurance Claim
When processing your insurance claim, you’ll generally need to provide:
- A photocopy of your driving license
- Vehicle registration certificate (RC)
- Insurance policy document
- Copy of FIR
- Repair estimates or bills
Make sure all documents are accurate and complete to prevent delays.
8. Know the Good Samaritan Law
In India, the Good Samaritan Law helps people who are helping accident victims. If you assist someone who has been injured in an accident, you are not required to reveal your identity or get involved in legal proceedings. Hospitals are also required to give immediate medical help without charging.
9. Organize Vehicle Repairs
Depending on your insurance plan, you may avail cashless repairs at authorized network service stations. Reach an understanding with your insurance company regarding how the process works and select an approved repair outlet.
10. Record and Follow Up
Keep a file containing all papers concerning the accident, such as medical reports, repair invoices, and communications with your insurer. Keep contact with your insurer to monitor the progress of your claim.
Preparedness and knowledge can go a long way after a car accident. By implementing these steps, safety can be ensured, legal demands met, and the recovery process made easier.
