Experts Remind Drivers of What to do after Accidents


In recent weeks, there have been reports of more Americans dropping their car insurance policies because of the deteriorating economy. Industry analysts say that the trend is resulting in more car accidents involving uninsured or underinsured drivers.

Experts Remind Drivers of What to do after AccidentsThe Insurance Information Institute also released data revealing that uninsured drivers are ten times more likely to be involved in car accidents than insured motorists. The number of uninsured drivers has also risen significantly in recent months because of the recession. As a result, some drivers may not be able to avail of better coverage if they are involved in a car crash.

Analysts warn that the continuing economic situation can force more drivers to reduce their coverage or drop their policies altogether, potentially leading to higher medical and repair costs for many distressed Americans.

Experts say that drivers can actually minimize the costs and problems associated with car accidents by simply following several guidelines.

After an accident, drivers should remain calm and collected, specialists say. By acting decisively and appropriately, motorists can avoid further adding to the current situation. Experts add that the first and most important concern should be the health and condition of all individuals involved in an accident. Motorists are advised to keep emergency kits in their vehicles and contact emergency services if they suspect that someone in their car or in the other vehicle needs urgent medical attention.

Drivers should also move their vehicles to the side of the road, away from the collision site. A minor fender bender can be resolved easily in a matter of minutes if all the policyholders’ papers are in perfect working order. Industry specialists also strongly advise drivers to take down as much information as possible of the other vehicle and its occupants.

Motorists should take note of the other vehicle’s make and model, its license plate numbers, the policyholder’s car insurance provider, as well as the contact details of the driver and/or policyholder. Drivers should also determine if the driver and the policyholders are one and the same.

Above all, experts add, drivers should never leave the scene of an accident. Doing so is regarded illegal in many states and could result in criminal charges and a devastating blow to a motorist’s driving record. A spotty record can lead to higher premium rates, experts explain.

Drivers and policyholders should also consider purchasing additional options to ensure that they are full covered should an accident occur. Buying liability options can help many policyholders avoid lengthy legal battles and save thousands of dollars in litigation fees.