Pointers on What To Do When You Got Involved In A Traffic Accident

[Eypeeyu]

Hi, I'm a newbie owner of a brand new car. And though I've been driving cars for a couple of years now, thank God I've never been involved in a traffic accident (hope I'd never be).

Please advise on the step by step/pointers on what to do when you get involved in one.

TIA!!!

[1D4LV]

imho, when you get involved with one, you need to:

a) take a picture of the scene, and the damages.
b) get a cop to create the police report and possibly put it in a blotter. get a copy of the police report.
c) exchange contact information/driver's license. this will be beneficial and required depending on the settlement that you agreed on.

[Eypeeyu]

imho, when you get involved with one, you need to:

...c) exchange contact information/driver's license. this will be beneficial and required depending on the settlement that you agreed on.

Thanks for the preliminaries .
But what different settlements can we possibly agree on?

[woohoo]

Thanks for the preliminaries .
But what different settlements can we possibly agree on?

SINO ang gagastos, at sino ang mag-aasikaso sa paglakad ng paper works, etc.? Insurance mo, insurance niya, ikaw, o siya?

[Bogeyman]

Assuming that both parties have insurance, ideally dapat mag-coordinate na lang yung respective insurers nila for the claims. That's what they're being paid for.

Nung ako yung nakabangga ng kotse two years ago, the other party didn't have insurance, so my insurer took care of the repair costs for both of our vehicles, despite the fact that we didn't have a police report.

Nung ako naman yung binangga just last month, the other party also didn't have insurance (TPL lang, jeepney kasi). Again, my insurer shouldered the repair cost to my ride, with a slight depreciation for brand-new parts. This time I made sure na may police report na, so may hahabulin na ang insurance for the expenses they incurred.

[mbeige]

I think one of the immediate things you should do first is check if everybody is safe and unharmed. If you get rear ended badly, there's a good chance you got whiplash, and if not treated properly, will haunt you for years with neck and back pain that can sometimes refer to the shoulders and surrounding areas.

I'm talking about real accidents, not fender-benders