car accident

Steps to Take After a Road Accident 

It is vitally important that the right steps to take after an accident for Motor Trade Businesses are followed. As a motor trade business owner, you and your staff must be made aware of the steps to ensure coverage under your trader insurance policy will be accepted. Failure to do so could cause the claim to be rejected by your insurance company.

At the scene of the accident if someone is injured

  • Stop the vehicle.
  • Check for injuries in your vehicle and the other vehicle involved.
  • If someone is injured call an ambulance and the police immediately.
  • Look around for possible witnesses that can be interviewed by the police.
  • Take pictures of the scene and record any interaction with the other driver and its vehicle occupants.
  • Keep the conversation with the other driver and the other occupants to a minimum.
  • With the police are called, be prepared to take a breath test for the presence of alcohol.
  • Exchange insurance information with the other driver that has to include their name, address, telephone number, insurance company and policy of the other vehicles coverage.

At the scene if no one in injured 

  • Stop the vehicle.
  • Check for injuries in your vehicle and the other vehicle involved.
  • When no injuries are found find the driver of the other vehicle.
  • Exchange insurance information with the other driver that has to include their name, address, telephone number, insurance company and policy of the other vehicles coverage.
  • Have your cell phone or other device and take pictures of the scene.
  • If you have a dash cam involved make sure the file does not become corrupted.
  • If possible during the exchange of insurance information have your cell phone record it.
  • Keep the conversation with the other driver and the other occupants to a minimum.
  • Look around for any possible witness and get their personal information like name and phone number and ask it they are willing to make a statement. If they say yes record it.
  • If the driver of the other vehicle is not being cooperative, call the police for assistance.

At the scene if no one in injured 

  • The next step is to get the vehicle back to your place of business, either by driving it or calling a tow truck.

Contact your insurance company 

  • Contact your insurance company as soon as possible.
  • In each policy there is a time limit for reporting an accident and making a claim. Failure to do so in the allotted time can cause thee claim to be rejected.
  • Turn over all evidence you gathered at the scene includes the dash cam file if present, any video or audio recording that were made, all of the pictures taken.
  • Provide your insurance company with the contact information of any witnesses.
  • Make a statement to your insurance company about what occurred in the accident, especially if it was not your fault.

Failure to proceed with the steps to take after an accident for motor trade businesses could cause your claim to be rejected and make you financially responsible for any damages, medical bills and legal fees associated with the accident.

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