December 07, 2013 /24-7PressRelease/
-- Washington car accidents: protecting yourself before they happen
Dealing with a car accident can be a very stressful experience. Generally, you will need to make several calls, fill out a mountain of paperwork and then deal with the challenges brought on by property damage and injuries. In 2011, there were almost 99,000 collisions reported according to the Washington State Department of Transportation. Over 30,000 involved minor injuries, around 1,800 resulted in serious injuries and 421 collisions were fatal.
However, there is a way that you can reduce the impact that a car accident
will have on your life and that is to prepare for it before it happens. In order to properly prepare, it is important to review your insurance policy, prepare an accident kit and be aware of what you should and should not say when the accident occurs.
Your insurance policy
Your insurance policy has the potential to reduce the financial impact a collision can have on your life. However, many people do not take the time to understand the features of their policy and this can lead to unexpected challenges and financial difficulty. Edmunds recommends taking the time to carefully review the details of your current auto policy, while keeping in mind what your needs will be in the event of a car accident.
For example, if your car is damaged would you need to have a towing service or a rental car? Often, people do not realize that their insurance coverage does not include these features until after they are in need of them. By taking the time to consider what your needs will be, you can make the necessary changes to your insurance policy and give yourself further peace of mind.
Create an accident kit
Every driver should keep a kit in their car that is specifically designed to help them in the event of a collision. The kit should contain the following items:
-Paper and pencil.
-A disposable camera (this can be omitted if you have a camera on your cell phone).
-A list of medical conditions and any allergies.
Furthermore, the accident kit should also include an accident form and this can be created by hand or usually obtained from an insurance agent. The form helps you capture important information about the accident itself such as names and contact information for other drivers, witnesses, location of the accident, the time of day, the events leading up to the accident and police report information.
Thinking before speaking
It is important to remember that anything you say is evidence in the car accident investigation and apologizing for the accident, or saying that you didn't see the other car, could give the wrong impression. It is better to avoid saying anything at all and only give the information a law enforcement officer asks for. Anyone who is in a car accident should speak with an experienced attorney to obtain legal advice and understand his or her options.
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