Toronto, Ontario – A car crash can be a very traumatic experience for drivers, and confusion regarding what to do and what not to do can make matters worse, according to InsuranceHotline.com.
The company has a list of six things you should not do following a crash:
Don’t admit fault. Even if you believe you are responsible for the incident, nothing will be gained by saying so to the other driver or a police officer. The fault will ultimately be determined by an insurance adjuster based on predetermined guidelines set out in the Insurance Act. At the same time, you must give the police officer an honest account of the facts when you are questioned.
Don’t argue with the other driver. Remain calm and give your account to the police officer.
Don’t leave your car in the middle of the road. If it is safe to do so, move the car to the side of the road. If it is not drivable, turn on the hazard lights.
Don’t be pressured by a tow truck driver. Some may demand immediate payment for the tow or try to intimidate you into letting them tow your vehicle to a repair facility of their choice. Ask one of the police officers at the scene if they can refer you to a tow truck operator, and then ask him to tow your vehicle to a collision reporting facility.
Don’t authorize major repairs immediately. Wait until you speak to the insurance adjuster assigned to your claim, who may refer you to a repair facility with which your insurance company has an agreement. By using your insurer’s “preferred” repair facility, the repair may come with a guarantee which you may not have otherwise received by going somewhere else.
Don’t accept a direct offer of payment for damage from the other driver. If the damage seems minor, the other driver may want to settle with you right away and not report it to the insurance company. Be cautious. There is no guarantee that the other driver will not report the incident, even if you believe everything has been settled. As well, settling for direct payment may not be as advantageous as it seems, especially if you are not at fault. In these instances, the crash won’t affect your driving record and you will not have to pay a deductible.