Understanding Michigan Auto accident Claims and the Basics of Michigan’s No-Fault Laws

The laws that govern Michigan automobile accidents are long and complex. Often, the terms used by car accident insurance agents and lawyers are confusing. Two important terms you should know:

First-Party Benefits
Third-Party Benefits
Michigan is a No-Fault State. This means that your own Michigan car accident insurance company pays most of the economic losses you suffer in an automobile accident, regardless of who was at fault. These economic benefits are called First-Party Benefits.

Third-Party Benefits usually cover non-economic losses, including damages for pain and suffering. Both of these types of benefits are described in detail below.

Michigan First-Party Basics

The Michigan law defining First-Party Benefits states: First-party benefits are payable to anyone who suffers an injury arising out of the ownership, operation, maintenance or use of a motor vehicle as a motor vehicle.

The following analysis looks at:

Who has to pay your Michigan No-Fault Benefits?
What are the specific benefits you may be entitled to receive after a Michigan auto accident?
Michigan First-Party Order of Priority

Although your own insurance is first in line to pay in a Michigan automobile accident, there are times when an uninsured individual is an innocent passenger in a motor vehicle. In these circumstances, determining who is responsible to pay Michigan No-Fault Benefits can be complex.

Driver or Passenger Order of Priority

1st priority is your own insurance policy, if none then…
2nd priority is to the insurance company of a resident relative (i. e. spouse, parent, or sibling), if none then…
3rd priority is to the insurer of the owner of the vehicle occupied, if none then…
4th priority is to the insurer of the driver of the vehicle occupied, if none then…
5th priority is to the state of michigan Assigned Claims Facility.
Pedestrian Order of Priority

1st priority is to your own insurance, if none then…
2nd priority is to the insurance company of a resident relative (i. e. spouse, parent, or sibling), if none then…
3rd priority is to the insurer of the owner of the motor vehicle involved in the accident, if none then…
4th priority is to the insurer of the driver of the motor vehicle involved in the accident, if none then…
5th priority is to the state of michigan Assigned Claims Facility.
Motorcycle Order of Priority

A different order for receiving benefits exists if you were on a motorcycle when the accident happened, because motorcycles are not considered “motor vehicles” under Michigan law. In a motorcycle/auto collision, the priority would be as follows:

1st priority is to the insurer of the owner of the motor vehicle involved in the accident, if none then…
2nd priority is to the insurer of the operator of the motor vehicle involved in the accident, if none then…
3rd priority is to the motor vehicle insurer of the operator of the motorcycle involved in the accident, if none then…
4th priority is to the motor vehicle insurer of the owner of the motorcycle involved in the accident, if none then…
5th priority is to the state of michigan Assigned Claims Facility.
The Michigan Assigned Claims Facility

The Michigan Assigned Claims Facility is a State Agency with the power to assign an auto accident insurance company to provide benefits, if an injured victim cannot obtain benefits from other sources. Remember that uninsured drivers, operating vehicle they own, do not qualify for Michigan Assigned Claim Facility assistance. To apply for Assigned Claims Benefits, call the Michigan Assigned Claim Facility directly at 517-322-1875.

Specific Michigan First-Party Benefits

The First-Party No-Fault Benefits that you claim from your own insurance company include:

Medical Bills for life

Michigan motor vehicle accident law requires that medical coverage continue for life, or for as long as you need treatment for injuries suffered in the accident.

There are many complicated factors to getting your medical bills paid, if you are in a Michigan motor vehicle accident. We recommend that you contact our office about your rights.

To qualify for medical expense reimbursement, a bill must be reasonable (in cost and necessity) and the bill must be actually incurred. Michigan law does not provide for guaranteed pre-payment of bills due to a motor vehicle accident. Sometimes, an auto accident insurance company will try to escape its responsibility, by questioning the need to a medical test or procedure, which your physician ordered, or by disputing the amount of the medical bill.

Insurance companies in Michigan provide two types of medical coverage in the event of an automobile accident:

Uncoordinated benefits
Coordinated benefits
Your insurance policy states which type of benefits you should receive. An uncoordinated policy pays benefits, regardless of the presence of other health insurance. A coordinated policy requires your other health insurance to pay first, and your automobile insurance to pay amounts that your primary insurer does not cover.

It is common for a primary health insurance policy and a motor vehicle insurance policy to contain contradictory language about which one has the first obligation to pay medical bills. Meanwhile, the motor vehicle insurance company may escape its obligation to pay a bill, if it did not receive it within one year of the date that you got the medical treatment.

Wage Loss

Michigan No-Fault Law allows an injured individual to receive 85% of his or her lost wages, if a doctor found the victim disabled from work due to injuries suffered in a car accident. This benefit cannot exceed a period of 3 years. The wage loss benefit is set at 85%, rather than 100%, of lost earnings because the benefit is tax-free. The law also sets a monthly cap on the amount of lost wages that the insurance company must reimburse.

Attendant Care

Michigan auto accident law requires the no-fault insurance company to pay for attendant care (also known as nursing services) for an injured victim who needs supervision or assistance while recovering at home. Sometimes, a physician determines that a person with severe injury needs around-the-clock supervision. A caregiver who is a member of the victim’s family is entitled to attendant care reimbursement. Although the law does not set a specific hourly rate for the caregiver, the reimbursement should reflect the type and complexity of the services that the injured person receives. Frequently, insurance companies unreasonably and unlawfully refuse to pay for adequate attendant care.

Replacement Services

This term refers to reimbursement for services that you would have performed on your own, if you were not injured in an accident. If you paid or promised to pay for household services, chores, errands, etc., which you usually accomplished on your own, then you may be entitled to reimbursement for these expenses. A physician needs to provide a written statement that you are unable to do these tasks on your own. In addition, your insurance company may require documentation of who performed which services. Michigan law states that an auto accident insurance company is obligated to reimburse up to $20 per day for replacement services and that these benefits last for up to three years.

Mileage Reimbursement

Often, proper medical treatment, tests, and physical therapy require an injured person to travel long distances. Michigan No-Fault Law provides for the reimbursement for mileage traveled to and from this medical care.

Third-Party Auto No-Fault Law Basics

Under Michigan auto law, while First-Party Benefits cover most economic losses, Third-Party Benefits provide damages for pain and suffering, scarring or disfigurement, death, and wage loss in excess of 3 years. In Michigan, a Third-Party legal claim is filed against the at-fault driver in the motor vehicle accident. With the exception of excess wage loss, the damages sought in a Third-Party case are non-economic in nature. To prevail in a claim against a careless driver for non-economic damages in Michigan, the injured auto accident victim must show that he or she suffered a “threshold injury. ” Michigan law defines this as:

A serious impairment of an important body function, serious disfigurement or scarring, or death.
It is very common for insurance company adjusters to assert that an injury is not a “serious impairment of a body function. ” However, if you have an objectively documented injury to an important part of your body, and this affects your life, then you should talk with an experienced Michigan auto accident lawyer dedicated to helping Michigan auto injury victims.

Attorney Marya Sieminski joined the law Offices of Sam Bernstein in 2003. She is admitted to practice law in Michigan state courts and in the U. S. District Court for the Eastern District of Michigan. She earned her Bachelor of Science degree at the Massachusetts Institute of Technology and graduated magna cum laude from Wayne State University Law School. Marya has worked as a trial lawyer for 10 years and exclusively represented victims in personal injury litigation and in workers compensation claims. She also was appointed by the Governor to serve on the state of michigan Workers Compensation Qualifications Advisory Committee.

State Auto insurance – The Laws and regulations You need to know

State auto insurance laws require drivers to carry a certain amount of auto insurance to drive legally. The laws vary from one state to the next, so you need to be aware of what your state requires. Most insurance companies won’t sell you less than the state minimum amount of insurance because they aren’t allowed, but people still need to be informed about the auto insurance they’re purchasing before they pay money for something they know nothing about.

There are twelve states that are known as “no-fault” states. This means that they don’t cite people for accidents, and everyone pays their own damages and expenses related to an accident. Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota, and Utah are the states that have “no-fault” systems in place. This alleviates lawsuits, confusion, and other unsightly elements involved in auto accidents that become issues in states where people are cited for fault.

All states sell insurance based on a Managed Competition System. This allows the companies to set the rates they want to set, but only as monitored by the state. State auto insurance laws usually require that there be limits on how much an insurance company can charge a person for auto insurance premiums. However, if you have a really bad driving record or an expensive car, you should expect to pay a lot for insurance. Usually, with a good driving record and low-risk car, the average adult can expect to pay between $50 and $100 a month for full coverage. Add more cars and drivers and the rate will increase. However, someone with a bad driving record could pay upwards of $200 a month for auto insurance, just because they pose a greater risk to the insurance company.

State auto insurance laws are pretty laid back and may not provide all of the financial coverage that you truly need. Therefore, it’s important that you shop around and compare rates to ensure you’re getting an affordable policy that will also ensure that you’re covered under any circumstances.

How does Auto GPS Help Law enforcement Fight Crime?

Many individuals are now seeking to gain an understanding to the role of auto GPS in Law enforcement. As the basic technology of GPS, or “Global Positioning Systems” advances, more and more Law Enforcement agencies are starting to discover the advantages of using it in order to optimize their basic role in protecting the citizens within the united states, and each county and city in which they operate.

This particular technology has proven to be quite beneficial in several instances that are legal in nature. Each day, these agencies are establishing more creative ways to use GPS. Here, you will learn about the role of auto GPS in Law enforcement.

One of the main roles of GPS when it comes to Law Enforcement is that it holds the ability to track individuals that have been suspected of committing a crime. The most common way that this is accomplished is by attaching a unit to the vehicle in which the suspect drives.

It is then that the agency that is tracking the individual can monitor and even successfully record the movements of that individual. The information obtained by the agency can be used to pass a warrant for the individual’s arrest.

Once in court to face potential conviction, this information may be revealed. Many individuals argue and win when it comes to the fact that this is viewed as a violation of privacy, but many of these cases accept the evidence and the suspect is convicted.

Auto GPS systems have been so effective that small versions have been created that do not fit on the vehicle, but they are placed on the wrists or ankles of criminals that have been convicted of a crime. These criminals may have to wear these while they are confined in a prison, and they may have to wear them once they are released from a holding facility.

This type of mini Gps system is often used on individuals who are on what is called “House Arrest”, and it may be used on individuals who have been deemed to be “Sexual Predators” to ensure that the individual does not get close to schools, parks, and other areas where children frequent.

Many Law enforcement agencies are able to use auto GPS systems in their patrol vehicles and can enter in information about particular calls and crimes. The agency can then take this information, and compile it into an effective data sheet that allows the employees of the agency to see which areas tend to have a higher rate of crime, and which areas have a low rate of crime.

Furthermore, the “crimes” may be detailed even further to specify what crimes occur in a particular area, and how often. This is often referred to as a “Crime Map”. By putting these maps to work, Law Enforcement agencies can successfully determine their crime zones and increase the amount and types of officers that work in that area.

There are several individuals that have protested against the use of GPS in Law enforcement. These individuals argue that their fourth amendment rights are violated when it comes to this type of use. There have been many cases in which these individuals have presented their case, and many considerations have been made when it comes to Constitutional Rights.

However, the fact still stands that Law enforcement agencies have been able to serve and protect a number of citizens by implementing the use of GPS technology. This is why there is a distinct role that auto GPS plays in this type of government agency.

Auto Accidents Comparative Fault – Is a Lawyer Needed?

Even in a perfect world, car accidents do happen. Even if they don’t result in loss of life or injury, there are still other consequences. There’s still the matter of getting car fixed, for example, and the time you have to spend getting it fixed, all of which can affect your income.

Knowledge is power, so let me give you advice on how to best manage when involved in an auto accident. After the incident, compensation is always an important concern for the parties involved. Whether it’s repair costs, hospital bills, or any other form of compensation, that’s always an issue in every situation. Insurance companies are usually willing to cover for these costs, but in order to find the appropriate amount entitled to the insured, fault has to be established.

In assigning fault, the question is about the degree of responsibility. The insurance paid out depends on how much at fault each of the two (or more) parties involved are. The insurance companies will send out claims adjusters, who study the situation, and based on their findings, fault to the parties, with a percent value known as “comparative fault. ” Some states calculate insurance coverage by “pure comparative fault. ” With pure comparative fault, your degree of responsibility is deducted from your claim. If you are found to be 20 percent responsible for the accident, then twenty percent is also deducted from your claim.

Here in San Antonio, we have “proportional comparative fault-” meaning, you get your full claim from insurance provided you aren’t responsible for a certain percent of the accident. The state of Texas sets the bar at 51 percent- you get the full amount from your insurance company, provided you were found to be 51 percent or less responsible. If not, your insurance company will not consider you entitled to compensation.

So to make sure you get as much as possible from your insurance claim, you should think about hiring San Antonio auto accident lawyers. A skilled auto accident attorney can help you in assessing the situation, and can speak on your behalf to the insurance claims adjuster. San Antonio auto accident lawyers have knowledge of the local laws and insurance policies, and can not only assist in negotiations with a claims adjuster, but also give you advice in court if it comes to that.

How else can an auto accident lawyer help you? Besides being your representative in court and negotiations with the insurance company, San Antonio auto accident lawyers can also use their experience to assist your efforts.. An auto accident attorney in San Antonio can gather favorable evidence such as police reports, or medical evidence, or interview potential witnesses whose testimony may help you in a court of law. They can assess your legal situation, draft letters, and can look out for your interests if there are any disputes.

Do you need a lawyer after every accident? A lawyer is really required only in certain situations. If, for example, there has been a death or injury, then having an attorney will be important. If there’s some kind of problem involving a dispute, of if you feel you are being treated unfairly by your insurance company, you’ll probably need professional advice. Having San Antonio lawyers that specialize in auto accidents with you is to your advantage, and they can certainly ease the burden while you go through a difficult period after an accident.

The Nuts and Bolts of Auto Law in Pennsylvania

AUTO ACCIDENT BASICS – WHO PAYS WHAT IN PENNSYLVANIA?

Navigating the insurance world after an auto accident can be very confusing. There are many questions revolving around who pays for injuries, medical bills and property damage. Understanding the nuts and bolts of auto accident law, ahead of time, can save considerable time and effort.

BODILY INJURY LIABILITY

A. How Much?

Under Pennsylvania law, Pennsylvania car owners must carry at least $15, 000 of bodily injury liability coverage to pay for personal injuries to another driver, in the event of an accident. Drivers can elect higher amounts.

B. Who Pays?

Bodily injury coverage is based on fault and is available to the other driver in an auto accident. For example, Driver A causes an accident with Driver B, causing serious personal injuries to Driver B. Driver A’s auto policy includes the state minimum-$15, 000 of bodily injury liability coverage. Driver B can make a claim under Driver A’s auto policy, for personal injuries, up to the $15, 000 limit. However, Driver B may be limited in what he can recover, depending on whether he selected Full Tort or Limited Tort in his own auto policy.

C. How it Works?

In some instances, an injured driver can make a claim for bodily injury liability coverage against the other driver’s insurance company without having to file a lawsuit. However, if that insurance company fails to offer fair and reasonable compensation, the injured driver may have to file a lawsuit against the other driver.

PROPERTY DAMAGE

A. How Much?

Under Pennsylvania law, Pennsylvania car owners must carry at least $5, 000 of property damage coverage to pay for property damage to another driver, in the event of an accident. Drivers can elect higher amounts.

B. Who Pays?

This type of coverage is frequently misunderstood. It is not available to an insured driver, under his own policy. Rather, it is available to the other driver in an accident, and is based upon fault. In our example, Driver A causes an accident with Driver B. Driver B’s car is totaled. Driver A has $10, 000 of property damage coverage. Driver B can make a claim under Driver A’s auto policy for the fair market value of the totaled car, up to $10, 000. In this same example, let’s assume Driver A’s auto was damaged. Driver A cannot make a property damage claim under his own policy. Again, property damage coverage is only available to the other driver and is based on fault.

C. Collision and Comprehensive Coverage

Collision and comprehensive coverage are optional and cover different types of auto damage. Collision covers any damage caused by an auto accident less a deductible. Comprehensive coverage covers any non-accident damage, such as fire, theft, etc., less a deductible. A driver who has purchased these types of coverage can make a claim under their own auto policy. Using the same example, Driver A-who caused the accident, can make a claim for repair to his auto, if and only if he has collision coverage. If Driver A did not purchase collision coverage, he would be responsible for the repairs.

D. How it Works

If an innocent driver’s auto is damaged in an accident caused by another driver, a property damage claim can be made directly to the other driver’s auto insurance company. So long as the accident is clearly the other driver’s fault, this is usually the easiest way to make a property damage claim. If the innocent driver has collision coverage under his own auto policy, then a property damage claim can be made with his own auto insurance company. However, the deductible would be subtracted from the total amount recovered. Then, because the accident was the other driver’s fault, the innocent driver’s own auto insurance company should obtain the deductible from the other driver’s auto insurance company. That deductible should eventually make its way back to the innocent driver.

Again, using our example, Driver A is at fault for an accident with Driver B. Driver B has collision coverage with a standard $500 deductible. Driver B has a choice to make a claim with Driver A’s insurance company or his own insurance company. If he makes the claim with his own insurance company, he would receive the fair market value of his totaled auto less the $500 deductible. His insurance company would then seek reimbursement from Driver A’s auto insurance company for the fair market value and the deductible. At some point, Driver B should receive the $500 deductible back from his own insurance company-because the accident was Driver A’s fault.

A property damage claim is usually made without having to resort to a lawsuit. Incidentals such as rental car costs and towing/storage, are immediately compensable if the innocent driver has purchased such coverage under his own policy. Otherwise, they will become out of pocket expenses in a subsequent personal injury lawsuit against the other driver.

MEDICAL BENEFITS

A. How much?

Under Pennsylvania law, Pennsylvania car owners must carry at least $5, 000 of medical coverage to pay for medical bills incurred in an auto accident. Drivers can elect higher amounts up to $1, 000, 000.

B. Who Pays?

Many states including Pennsylvania are “No Fault”-meaning that regardless of whose fault the accident was, a driver can make a medical benefits claim under their own auto insurance policy, up to the amount of medical benefit coverage purchased.

Using our example, Driver A causes an accident with Driver B. Both drivers have insurance policies with medical benefits coverage. Let’s assume that Driver A has $10, 000 of medical benefits coverage and Driver B has the state minimum-$5, 000. If both drivers are injured and require medical treatment, they would both make a claim under their respective policies. In this example, Driver A could make a claim for medical benefits up to $10, 000 and Driver B could make a claim for medical benefits up to $5, 000.
Also, the medical benefits coverage amount is per person, per accident. In other words, if a father and his minor son are injured in an accident, and the father has an auto policy with $5, 000 medical benefits coverage, then both can receive up to $5, 000 of that coverage. If the father or son gets into a subsequent accident, they would again be eligible for $5, 000 of the same coverage.

C. How it Works

When making a claim for medical benefits, a driver may go to a doctor/provider of their choosing and should provide their auto policy claim number and auto insurance information. Under Pennsylvania law, once a driver provides this information to a medical provider, that medical provider is required to bill the auto insurance and cannot bill the driver directly. Once the auto insurance company receives bills from the medical providers, the amounts of the bills will be reduced in accordance with Act 6-an Amendment to Pennsylvania motor vehicle law made in 1990. Act 6 limits the amount that medical providers can recover for accident related medical bills. At some point, the amount of medical benefits under an auto policy may become exhausted and then the driver would use their own medical/health insurance to cover any remaining bills.

D. Priority of Coverage

When a person is injured in an accident, there can be more than one source of medical benefits. Under Pennsylvania law, there is an order of coverage, known as “priority of coverage”. The first level is an auto policy in which the injured person is a “named insured”- that generally means an auto policy purchased by the injured person. The second level is an auto policy in which the injured person is “insured”. This generally refers to an auto policy purchased by the injured person’s spouse, parent or relative residing in the same household.

The third level applies when the injured person does not own an auto policy and is not covered as an insured under any auto policy. This third level is an auto policy covering the auto that the injured person was riding in when the accident occurred. Finally, the fourth level applies to injured persons who are pedestrians or bicyclists. This fourth level is any auto policy involved in the accident. In some situations, more than one policy may apply-and the first auto insurance policy to get billed will be responsible up to the applicable medical benefits amount. That insurance company can then, seek reimbursement from the other insurance company. Also, if a person is injured in an auto accident during their employment, workers’ compensation coverage is the primary source of medical benefits coverage.

F. Persons Who Do not Qualify for Medical Benefits

Under Pennsylvania law, certain classes of drivers do not qualify for medical benefits, even though they have purchased auto policies. They include motorcycle drivers, snowmobile, motorized bike, and four wheeler operators. Also, the owner of a registered auto who fails to purchase auto insurance cannot make a claim for medical benefits. For example, a person may own a registered car, but then fails to obtain insurance for it. If that person becomes injured while a passenger in a friend’s car, they cannot make a claim for medical benefits under the friend’s auto policy. These classes of drivers must use their own medical/health insurance to pay for any medical bills incurred as a result of an accident.

Queries Debunked- Worker’s Compensation Most Frequently Asked Questions

Job related injuries are very common these days. This is the reason why a few companies insure their employee before hiring them. However, with the increasing number of insurance frauds, there is a lot more to that. Here is a list of some frequently asked questions with the latest answers in case you have a doubt in your mind.

  1. What is this compensation all about?

Workers compensation is the type of insurance program, which is mandatory by the state laws. Its basic function is to provide work related security to employees in the form of compensation. They can claim for it if they suffer from any job related injuries or illnesses. It also pays for the rehabilitation program, if the doctor says so.

Each state has its own set of rules governing the insurance and compensation. You can always contact the San Diego office for worker compensation or look for their website in case of the new updates in laws.

In general, the compensation law states that an employee is eligible for compensation regardless of the party at fault. Employee, employer, a customer, any machinery whatever the cause of illness is, the employee is compensated.

  1. Are all injuries covered by this law?

Workers’ compensation covers most injuries. However, there are certain injuries, which cannot be compensated. This is a law designed to ensure that no harm comes in the way of worker while working for a company. This is the reason why the employee gets compensated regardless of the party at fault. However, in cases where the employee is found drunk or intoxicated, he is not eligible for the compensation.

Coverage is also denied in following situations:

  • Self-imposed injuries due to a fight started by employee
  • Injuries suffered while committing any serious crime such as robbery
  • Injuries suffered during holidays or leaves
  • Injuries suffered when the employee’s conduct violated company’s policy.
  1. Does this law cover only medical bills?

Due to this law the insurance providers are liable to pay hospital as well as medical expenses. Apart from this a disability payment is also paid in case you are unable to work. It also ensures that you are paid for rehabilitation and get paid until the doctor says you are fit to work.

  1. Does this law cover any long-term illnesses or problems?

Not just injuries caused by accident, but other problems which are a result of your working condition can be paid by worker’s compensation. For instance, if your doctor says you have chronic back problem due to the alignment of chair or extended working hours, the bill would be covered by this law.

Heart or lung disease can also be covered if the reason is stress due to work or any condition led by the working environment.

  1. Is it necessary for me to be in the office while getting injured to get compensated?

In case of injuries that are work related, you are covered even if you are away, this happens in case of illness. However, any physical injury such as an accident in your house could not be covered.

These FAQs would have solved most of your queries. Make sure you enjoy the benefit of worker compensation next time.

Here’s What You Should Do at the Scene of an Accident

The scene following a car accident can be full of emotions. You may be feeling hurt, confused, or be running off of pure adrenaline. In these situations, in can be challenging to stay focused and remain level-headed.Although a chaotic time, the moments following a car accident are some of the most critical when it comes to protecting your right and best interests.

Boylston police chief Anthony G. Sahagian directs traffic around a serious head-on collision in front of 74 Main Street in Boylston shortly before 9:00 a.m. on Monday, August 1, 2011. (PAUL KAPTEYN)
Boylston police chief Anthony G. Sahagian directs traffic around a serious head-on collision in front of 74 Main Street in Boylston shortly before 9:00 a.m. on Monday, August 1, 2011. (PAUL KAPTEYN)

Getting a handle on the situation early on following an accident will allow you to better present a claim for your injuries later on.

Do Not Leave the Scene

Even if you were involved in a minor autoaccident, you should always remain at the scene. If you make the decision to leave, you could potentially face criminal charges as a hit-and-run driver.

Call the Police Immediately

It is important to notify the police immediately if someone has been injured in a car accident, and be sure to request medical attention.

The sooner an officer arrives on scene, the quicker they can begin the process of collecting valuable information needed and issue a police report.

Police officers will also help to maintain order during a chaotic situation and help both drivers exchange important information needed to move a case forward.

Do Not Admit Fault

When speaking with the other driver, passengers, or witnesses, do not admit fault for the accident. Even casual statements, like making an apology, can be determined to be an admission of fault later on when the accident is being investigated.

Exchange Information

If you are involved in a minor accident where the police will not respond, it is up to you and the other driver to exchange information with each other. Make sure you ask for the other driver’s driver’s license and insurance card.

You should note down all the important information contained on them or snap a picture of the front and back of them with your phone’s camera. You will need to reference this information later on during the claims process.

Take Pictures at the Scene

Ideally, you should take pictures after an accident, but before vehicles are moved. When you photograph vehicles as they came to rest following an accident, you better capture the actual scene and the points of impact on each car. This makes it easier for the police and insurance companies to determine fault later on in the investigation.

Speak to Witnesses

If witnesses stop to check on you and the other driver after the accident, be sure to document their name and phone number, especially if they cannot stick around for the police to show up. Witnesses can be valuable sources of information during an accident investigation when it comes to helping determine fault for an accident.

Call Your Insurance Company

You will want to report the accident to your insurance company as soon as possible. Be sure to tell them in as much detail as possible as to what happened in the accident and the extent of your injuries.

When dealing with your insurance company, always relay truthful and accurate information to them, even if it doesn’t seem favorable for you. Omitting information or not telling the truthcan lead to serious consequences like denial of coverage for any damages related to the accident.