Whether it’s a minor accident or a more serious accident on the road, many of us will hear the squeal of brakes and the crunch of a bumper at some point in our lives. Thankfully most car accidents involve no more than some damage to the vehicle, but they can be a stressful experience. Being prepared can help you get the best result from a difficult situation.
First things first
If somebody is injured, call the emergency services straight away. If not, you’ll still need to contact An Garda Síochána & contact your Insurance policy as they need to be informed as soon as possible after an accident.
Keep your cool
It’s easy to get flustered and perhaps even angry in the event of an accident, but it’s important that you don’t get into a conversation about blame and don’t accept responsibility – you don’t want to make an off-the-cuff statement you might regret later. Try to stay calm.
You’ll need to take the registration numbers and insurance policy numbers of all the cars involved. You should also get the name, mobile number, and address of the other driver, and any witnesses that might have seen the accident. It’s a good idea to keep a pen and paper in your car for this purpose. Your mobile phone is a great resource for taking photos and video notes – try to capture details of the car’s position on the road and close-up images of any damage caused.
Let the experts do their work
Report the claim to your insurance company if you are at fault for the claim.
If you are not at fault report the claim in to the third party’s insurance company
Your car insurance company is there to help in exactly this type of circumstance. The Claims Department will liaise with the other parties involved, so you should send them all correspondence or information you receive relating to the accident and let them respond to you.