After getting into a car accident, the first thing one may sense is frustration or anger, but remaining calm ensures a quick and smooth process so the two drivers can get on with their days.
One of the drivers involved in the accident may try to entice the other to not report the accident to the insurance companies for a number of reasons. But not reporting a crash could create severe consequences that will affect a driver’s auto insurance quote.
It’s required by law to file an accident report. Failing to do so could result in a traffic ticket, or even worse, a hit and run felony charge if the other driver later decides to report it.
Failing to report an accident is extremely costly, as the burden of paying for damages falls directly on the driver. While the other driver may have offered to pay, there’s no guarantee they will follow through. Repairs could ultimately cost anywhere between a few hundred to a few thousand dollars depending on the severity of the accident.
Another danger of withholding an accident report from the insurance company is that the policy could get suspended. Even if the damage is minimal and repairs will be inexpensive, drivers should always report it to the insurance company.
What Drivers Should Do
Instead of not filing a claim, drivers should follow some basic steps after being involved in a crash to ensure a smooth process.
The first thing drivers should do when getting into an accident is checking to see if anyone is injured. Call an emergency service immediately if someone requires medical attention.
If everyone is alright, drivers should move their car to the side of the road, if possible, and turn the hazards on. If the other driver is unharmed, begin the process of exchanging information. Drivers should get their name, address, phone number, insurance company, policy number, driver license number and license plate information.
For those with a camera or smartphone, they can take a photograph of all cars involved in the accident. Then, file an accident report to the company through which you obtained your car insurance quote, as well as local officials.