Honesty is always the best policy and this applies to your car insurance too. After all, we all dread to think what the outcome would be should we ever be involved in an accident, and the consequences can be even more severe should the crash be your fault and you choose to pass the blame. These days dash cam cameras and black boxes can reveal a different side to every story, and this means that every driver should know how to react if they ever find themselves in an at-fault accident, something that can be a particularly scary experience as a young driver involved in a crash for the first time.
Remember to Stop
Failing to stop in the event of an accident that resulted in injury or damage is a criminal offence that can land a driver with a maximum penalty of 6-months imprisonment. In fact, the Road Traffic Act 1998 s (170) 2 states that drivers should always stop regardless of who is at fault. This is important because an accident may result in a higher insurance premium or the loss of any no claims bonuses, but it is failing to stop that could land you in trouble with the law.
Report the Accident
It can be tempting to try and resolve an accident without involving the police or either insurance company, especially when you are at fault. However, it is always in your best interest to report an accident to the relevant authorities. This is particularly important if a passenger or pedestrian has been injured and requires medical assistance as the ambulance service are required to alert the police in any car-crash related situations. Remain calm and tell the officers what happened in as much detail as you can remember and ensure that you repeat the same story to your insurance company too.
Document, Document, Document
Try to avoid getting defensive when you are at-fault after an accident. After all, the other driver may be in shock or could react badly to the resulting damage to their vehicle. Although the police will take their own photographs, it is important that you document the accident yourself too. If the situation is suitable, try to take pictures of all of the vehicles involved in their post-crash state as these may be handy when speaking to your insurance company.
Nobody wants to admit to being the cause of a car accident, especially since these kinds of situations can put a bad mark on your name as a driver and will often lead to a higher premium. With this said, it is possible to find affordable cover following a crash as long as you are up front and honest from the get-go. For all your car insurance needs, check out Quote Goat’s trusted comparison site today!