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What to Do in Case of an Accident
Step 1 If possible, stop your car in a safe and visible place. If the car cannot be moved, turn on the hazard lights. Turn off the ignition. Be careful exiting your car.
Step 2 Determine if anyone is injured. Do not move an injured person.
Step 3 Call the police (911 in most places) immediately. Report any injuries.
Step 4 If another vehicle is involved, get the car's year, make, model and license plate number; the driver's name, address and license number; and the name of his or her insurance company. If the driver does not own the car, get the name of the car's owner. Write down names and addresses of other passengers or witnesses.
Step 5 Write down the names and badge numbers of police and emergency personnel at the scene. Ask the officer how to obtain a copy of the police report for your insurance claim.
Step 6 If you suspect that the other driver was under the influence of alcohol or drugs, ask that a breath test be performed on you and the other driver.
Step 7 Cooperate with the police, but do not admit guilt for the accident in any way. You may be required to show proof of insurance, but do not reveal how much coverage you have.
Step 8 Do not accept any money the other driver may offer. By accepting money, you may give up your right and the insurance company's right to file a claim against the other driver, even if the damages turn out to be more extensive than you first thought.
Step 9 Do not agree to forget about a minor accident. You may see later that there were hidden damages or injuries. The other person may even file a lawsuit against you.
Step 10 Write an account of what happened: time of day, weather, hazards, road conditions and driving speed. Draw a picture of the site, showing stop signs, signal lights, etc. Try to measure skid marks and determine the point of impact. Note any damage already on other cars involved. If a camera is available, take pictures of the accident. Make copies of the pictures.
Step 11 Report the accident to your insurance agent or company as soon as possible.
Motor Vehicle Crashes Are The Leading Cause Of Death From Ages 3 Through 33 Years Old
For people in the age range of 3 to 33 years, the leading cause of death is being involved in a car accident. People, who are between 15 to 24 years, and those who are above 75 years of age, are who are the most severely affected by car accidents.
Definition:
Criminal offenses less than felonies; generally those punishable by fine or imprisonment of less than 90 days in a local facility. A gross misdemeanor is a criminal offense for which an adult could be sent to jail for up to one year, pay a fine up to $5,000 or both.
Private Passenger Automobile
Definition:
Four-wheeled motor vehicles of the private passenger, station wagon, or van type. Private passenger automobiles are designed for use on public highways and subject to motor vehicle registration.
Junk Title
Definition:
A Junk Title is issued on a vehicle damaged to the extent that the cost of repairing the vehicle for safe operation exceeds its fair market value; or a vehicle that has been declared a total loss by an insurer or other state or jurisdiction.
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