Lifestyle 02 September 2020
Accidents are inevitable. They can affect anyone, including careful drivers. When you get involved, you should not get mad at the other party; neither should you get shocked by the situation. Instead, it would be best if you sobered up.
Keeping calm will enable you to investigate and document the damages more accurately and make a seemingly complicated process more straightforward. Apply the following tips to ensure that everyone is safe, prepare, and start the claim process, whether you are at fault or not.
Do an injury check
After the accident, you should first do a personal assessment to establish whether you have been injured. If you have been seriously injured, call for emergency services or ask someone else to do it on your behalf. If you have not sustained serious injuries and can move, check whether the other victims are alright. If everyone is sound and cooperative, consider calling the police to witness and assess the accident.
Take snaps or ask a bystander to take the images of the scene and the number plates of the vehicles involved. Take also the identity of the police officers and their service numbers. The above information will help you draft a sufficient report to submit to your insurance company.
Decide whether to file a claim
The accident had minor damages, and the other party is willing to compensate you directly without going through a court process. You can weigh the amount offered against the difference between the possible compensation amount and the cost of preparing the claim. However, direct compensation is risky as the party responsible may craft the details of the accident and hold you accountable.
To be on the safe side, claim for compensation through a court process. If you find it challenging or involving, you can hire a personal accident lawyer's services to guide you through the process. According to experts from tatelawoffices.com, if you have several insurance covers, your attorney will determine the most applicable one and notify them of the accident. They will also inform the other driver's insurance company then follow up on the court proceedings. A personal accident lawyer can help you with your claim burdens and help you get monetary compensation for your injury or damages.
Move to a safer zone
If the vehicles are blocking the way, the chances are that they may be hit by the upcoming cars and worsen an already bad situation. They may also inconvenience other road users by causing a traffic jam. Move the vehicles involved to the roadside if they are still operational or call towing services to get them off the road. Warn the people around to stay away if you sense a danger of explosion and use flares or the emergency reflectors to warn other road users of trouble ahead.
Exchange your information details
As a rule of thumb, you should gather all the other driver's information to follow up on the claim. That is why information exchange is vital. However, it is advisable not to give out too much information about yourself as the other party may use it to hold you responsible. Here is a checklist of what you should include in your list.
- The driving license number of the other driver
- The contact details of the other driver (if they are willing to give it)
- The name and the contact details of the witness
- Personal notes describing the incident
- Police abstract number and the photo of the scene if not earlier taken
For clarity purposes, backup your notes with a well-customized demonstration of what happened during the accident. Do not forget to show the vehicle directions. Some insurance companies develop apps to help their customers collect audio details of what happened during the crash. If you belong to such companies and installed the app in your smart device, you will be better placed, mostly if you were not responsible for the accident.
If the court approves your claim, it may order the other driver's insurance company to cater for the cost of your vehicle's repair, your medical expenses, and those of other passengers involved. However, the insurance companies will only take liability to pay up to the specified policy limit. In that case, the court will compel the other vehicle owner to compensate you for your injuries, especially if the accident led to amputation or a dramatic lifestyle change. The court will also maintain your records in case you need to appeal for more compensation. That is why it is vital to claim your compensation through a court process.
As you can see, claiming for compensation is a step by step process. You have to inspect the victims for any injuries, collect the relevant information, including the police details, and then report to your insurer. Most importantly, you need to hire a professional personal accident attorney to guide you through the legal process.
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Help! My Friend Is a No Show
Dear Armchair Psychologist,
I have a friend who doesn't reply to my messages about meeting for dinner, etc. Although, last week I ran into her at a local restaurant of mine, it has always been awkward to be friends with her. Should I continue our friendship or discontinue it? We've been friends for a total four years and nothing has changed. I don't feel as comfortable with her as my other close friends, and I don't think I'll ever be able to reach that comfort zone in pure friendship.
Dear Sadsies,I am sorry to hear you've been neglected by your friend. You may already have the answer to your question, since you're evaluating the non-existing bond between yourself and your friend. However, I'll gladly affirm to you that a friendship that isn't reciprocated is not a good friendship.
I have had a similar situation with a friend whom I'd grown up with but who was also consistently a very negative person, a true Debby Downer. One day, I just had enough of her criticism and vitriol. I stopped making excuses for her and dumped her. It was a great decision and I haven't looked back. With that in mind, it could be possible that something has changed in your friend's life, but it's insignificant if she isn't responding to you. It's time to dump her and spend your energy where it's appreciated. Don't dwell on this friend. History is not enough to create a lasting bond, it only means just that—you and your friend have history—so let her be history!
- The Armchair Psychologist