When an accident happens, you need to make sure you do every step right to avoid trouble no matter whose is responsible for the accident. You can make the damage as small as possible even it is 100% your fault. People like to sue in these days. :)
1. Call police and describe accident carefully to police. Don't admit any fault even if it is your fault. Get police report as soon as possible.
2. Don't say "sorry" at the scene or to anybody.
3. Collect evidence at the scene, if possible, take pictures. Get information from eye witnees. Exchange insurance information with other party.
4. Call your insurance agent and ask his advice about what to do.
5. Issue the claim with your insurance company if necessary.
6. Don't talk to other party's insurance company even they call you. Ask them to call your insurance company or your lawyer. You can talk to them only when you know how and what to talk. Those calls will be recorded and could be used against you in the court.
7. Feel better, accident happens all the time. It just happens to you this time.
8. If other party did sue, your insurance company probably will give you a lawyer. But don't totally rely on this type of lawyer because win or lose your case does not matter to him. You still need to go to the court and testify for the case. Make sure you are very well prepared. Get as many evidences as possible. Even it is 100% your fault, you need to make sure the court see all the evidence that can benefit you and make the damage as small as possible.
1. Call police and describe accident carefully to police. Don't admit any fault even if it is your fault. Get police report as soon as possible.
2. Don't say "sorry" at the scene or to anybody.
3. Collect evidence at the scene, if possible, take pictures. Get information from eye witnees. Exchange insurance information with other party.
4. Call your insurance agent and ask his advice about what to do.
5. Issue the claim with your insurance company if necessary.
6. Don't talk to other party's insurance company even they call you. Ask them to call your insurance company or your lawyer. You can talk to them only when you know how and what to talk. Those calls will be recorded and could be used against you in the court.
7. Feel better, accident happens all the time. It just happens to you this time.
8. If other party did sue, your insurance company probably will give you a lawyer. But don't totally rely on this type of lawyer because win or lose your case does not matter to him. You still need to go to the court and testify for the case. Make sure you are very well prepared. Get as many evidences as possible. Even it is 100% your fault, you need to make sure the court see all the evidence that can benefit you and make the damage as small as possible.
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