If you’ve been in a car accident, whether you’re injured or just badly shaken, the chances are you won’t be thinking clearly. If you’re driving alone, it can be even more stressful knowing what to do, as you have nobody to turn to. Here are a few simple tips for what to do in the aftermath of a road accident that will help you keep your cool and stay safe.
If you’ve been involved in a car accident, you need to remain at the scene and call law enforcement – always make sure that you have your vehicle insurance available ready to show police officers. Driving without insurance will mean that you could be fined $250 and be given a citation, but by fleeing the scene of an accident you could be subject to much harsher penalties!
If nobody has been injured during the accident and there’s not much damage, it’s still in your best interests to file a report with the DMV – rules vary by state but you usually have around 10 days to file. It’s worth bearing in mind that back or neck pain can take a few days to occur after an accident, so by reporting the accident you are covering yourself in the event of a claim. You should really report the accident to the police too in case injuries do show up later on.
Who pays for the damage?
By law, if you take responsibility for the crash, you will pay ‘property damage and personal injuries’ costs for the other driver – but only take responsibility if the crash was actually your fault! You should sign the traffic ticket issued by police at the scene, but stick to the actual facts of what happened and don’t admit to being at fault or sign a paper which makes you liable for paying the other drivers costs – this could see your insurance policy rate increase. If the police find both parties to be at fault, a percentage of responsibility will be assigned to each driver, who then has to pay that percentage from their auto insurance liability cover. If you’ve taken out collision coverage, that will pay for your damages.
What about my Vehicle?
If your vehicle is too damaged to drive away, you might need the services of a towing company in Colorado, who will be able to offer you a tow to the nearest gas station or your home, or even offer roadside assistance. The state police will often be able to recommend a reliable towing company in Colorado, and many companies have emergency call-out times guaranteed within a certain time frame, so you can be sure you won’t be left waiting in the cold.