Before An Accident
1) Purchase Insurance
One of the most dangerous things you can do as a driver is to drive around without coverage/ insurance foe your vehicle. The natural truth about driving is that every day that you are driving , you are at risk . The issue is not that you are a “bad driver”. Even if you are a good driver, there are so many variables that are out of your control.
a) Obstacles ( ex. Loose furniture, sharp objects ) on roads/ highways
b) Drunk Drivers
c) Tired Drivers
d) Speeding Drivers
The list goes on & on. Insurance serves as a way to protect drivers from those unexpected occurrences, so protect yourself & purchase insurance.
2) Understand how Insurance Works
Though insurance is a tool to help you in the event of an accident, Insurance companies are businesses first. With this being said, their first intent is to look out for the interest of the company and its profits. Always seek legal counsel if you feel that your insurance company is not working to your benefit in the case of an accident or an emergency.
During An Accident
1) Take Pictures & Video
Make sure to take pictures & videos as soon as you can after an accident. This will help in the event of falsified information, missing evidence & even regarding personal statements.
2) Collect Driver Information
Call the police, get a police report, and exchange insurance information with the driver you have gotten into an accident with. If witnesses are present, collect their contact information & seek legal counsel immediately.