The aftermath: Steps to follow after a car accident


20 Apr 2023

Important actions to take immediately after a car accident.

Car accidents are common in our country. With a significant number of vehicles on the road, poor condition of the roads, and several people driving without the correct knowledge of traffic rules, anyone can get involved in a car accident even if they are being careful. 

It, therefore, makes sense to have some idea about what you are going to do if you are involved in a car accident. Being in the correct state of mind and having a plan can help you make the best of the situation, rescue damages, and even help you with the insurance claim process. 

Here is a checklist to follow if you find yourself in the aftermath of a car accident. 

1. Check for injuries: First and foremost, make sure that everyone involved in the accident is safe and not injured. If someone is injured, call for medical help immediately.

2. Do not flee the scene: If you are involved in an accident, never flee the scene whether you are at fault or not. It is a legal obligation for you to stop your car, even if the accident was minor, etc.

3. Remain level-headed and composed: Never get aggressive with the other party involved in the accident. Avoid getting involved in an argument or a scuffle with the other driver.

4. Get the required information: Exchange information with the other driver(s) involved in the accident. This can include their name and contact number. You may also want to note down the make and model of their car, their license plate number, and the location of the accident.

5. Call the police: Regardless of how minor the accident seems, it's important to report it to the police. They can help document the accident and file an official report, which can be helpful when dealing with the insurance coverage process.

6. Document the scene: Take pictures of the scene of the accident, including the damage to the vehicles, the location, and any other details that might be relevant. This can be useful when dealing with the insurance claim process.

7. Notify your insurance company: Once you are done with the proceedings at the scene, be sure to call your insurance company and report the accident. Ask them about what documents are needed to file for insurance coverage, your collision coverage, and the process of filing a claim.

8. Check on those involved in the accident: Once done with all the legal proceedings, be sure to check again on everyone involved in the accident, including yourself. You may want to get checked at a healthcare center even if there are no physically visible injuries. If you have health insurance coverage, it may come in handy.

9. Get the car repaired: Any damage to the vehicle should be repaired immediately. Get your car to a service station and get it evaluated for any further damage. 

Remember, staying calm and following these steps can help ensure that everyone involved in the accident stays safe and that the insurance claim process goes smoothly.

Team Kotak GIC

The content of this blog has been created and carefully reviewed by the esteemed team at Kotak General Insurance, with the sole purpose of providing valuable guidance and sharing insights on the importance of general insurance. Our objective is to assist users in making informed decisions when purchasing or renewing insurance policies for their cars, bikes, and health. Our expertly curated information aims to empower our readers with the knowledge they need to protect their valuable assets and financial interests.