Involved in a Car Accident? Here Are The First Steps You Should Take

Every year, more than six million car accidents occur in the United States alone. Every year, 36,000 people are killed in these accidents, while over three million people are injured. These accidents are typically caused by reckless driving, speeding and drunk driving, making drivers and pedestrians victims of fatalities, injures and property damage.

If you are involved in a car accident, there are a few imperative steps you must take—regardless of fault. These actions will ensure your safety and will protect you and your property should any legal action be taken.

Step 1: Stop

No matter the cause, fault or extremity of the accident—you should never leave the scene. Even a fender tap could be classified as a hit-and-run if the victim decides to pursue legal action. As soon as the accident occurs, move your car out of the way (if possible) and stay until the police arrive onsite.

Step 2: Check for Injuries

If you or someone else was injured in the car crash, checking for injuries should be your first concern. Get medical attention as soon as possible and try to remain as still as possible while you wait for help to arrive. Call 911 if you are physically able and make sure they’re aware of any injured drivers, passengers or pedestrians.

Even if you feel uninjured, it’s possible that the accident did cause some harm. Be careful with yourself, check for symptoms and make sure you visit your doctor as soon as possible. Unseen injuries might include concussions, whiplash or internal bleeding.

Step 3: Talk To the Police

Even if both parties are uninjured, calling the police to the scene is still imperative—and legally required in South Dakota. Do not let the driver talk you out of calling the police and do not agree to any agreements with the other party.

When you’re on the phone with the emergency dispatcher, let them know the following:

• Your location, including any nearby landmarks or cross streets
• If anyone is severely injured or thrown from the car
• Any dangers on the scene (i.e. wreckage, fire, etc)

While you’re waiting for the police to arrive, watch what you say to the other parties involved in the accident. Avoid making any statements that could prove fault like “I didn’t see you” or even “I’m sorry.” These statements could be used against you later in court.

Step 4: Gather Information

Once the police arrive and any immediate medical issues are addressed, spend some time gathering any additional information that could be of use when you make your claim. Exchange ID and insurance information with the other driver and ask for personal information such as names, phone numbers and addresses.

Make some additional notes at the scene of the accident, jotting down apparent injuries, driver appearances and any other compelling observations. Additionally, take some photos and videos at the scene for additional evidence. These photographs should show car damage, injuries, skid marks or damaged trees or guardrails. You can also use your cell phone to record evidence of fault from the other driver. For example, if he or she is intoxicated, you can record verbal slurs or stumbles as proof of fault.

Step 5: Start Your Claim

Once you leave the scene of the crime, you should reach out to your insurance or a local attorney (searching personal injury attorney sioux falls can find local lawyers in the South Dakota area).

You are contractually obligated to contact your insurance company, even if the accident wasn’t your fault. Do this as soon as possible, as they could offer you immediate coverage for any injuries or car damage. Next, reach out to the other driver’s insurance company—if they were at-fault. In South Dakota, you have three years to make this claim.

When filing your claim with the insurance company, stay calm and organized. Collect all helpful paperwork including your account of the accident, the police report, medical records and any receipts for out-of-pocket expenses.

Step 6: Know When to Ask for Help

At the end of the day, your insurance company is only interested in settling your claim for as little as possible. You will be asked to make multiple on-record statements and will usually only receive minor compensation. Therefore, for larger personal injuries and damage, you should reach out to a personal injury attorney. They will work by your side to ensure you get the compensation you deserve.