The Secrets To Protecting Yourself After You Have A Car Accident

No one plans to have an accident. But, you can be prepared if one should happen.

1. Before you have an accident, keep an emergency kit in your glove compartment. Drivers should carry a cell phone,as well as a pen and paper for taking notes, a disposable camera to take photos of the vehicles at the scene, and a card with information about medical allergies or conditions that may require special attention if there are serious injuries. A set of cones, warning triangles or emergency flares should be kept in the trunk.

2. If you have an accident: Stop. Do not drive away from the scene! You can be charged with "hit and run" even if the accident wasn't your fault if it involves a pedestrian, a moving car, or even a parked car or someone's property.

3. Move vehicles to safety. Make every effort to prevent further accidents. You may be liable for damages to approaching vehicles unless they are properly warned. Do not move your car too far. Make sure to turn on hazard lights and set out cones, flares or warning triangles, if possible. If your car can't be driven, have the emergency responders call a tow truck. Get the name, address and telephone number of the towing company and, if you can, find out where it is taking your car.

4. Move people to safety. Check for injuries. Everyone who can walk should move to safety.

5. Call for help. As soon as you can get to a telephone, call 911. Explain the situation and give the exact location of the accident, so that help can arrive quickly. Be sure to mention whether you need an ambulance or a fire engine. Don't hang up until the operator tells you it is okay to.

6. Cooperate with the authorities. In New York State if you are involved in a vehicle accident causing injury to person or property, you are required to stop and give your name, address, and show your driver's license and insurance identification card to the person who is injured or whose property is damaged, or to a police officer. If such information isn't available at the scene of the accident, it must be given to the nearest police station or judicial officer as soon as possible. Be sure to cooperate with the police officer investigating the case. But,stick to the facts. For instance, if you were driving 30 miles an hour, say so. Do not say, "I wasn't speeding."

by: Gary E Rosenberg