10/12/2017 Knowing what to do if you are in a motor vehicle accident is an important component of learning how to drive, getting a driver’s license and having the appropriate insurance coverage. Chances are that at some point in your lifetime, you will be involved in an accident as a driver, passenger or pedestrian. After you have sought and received medical care, called the police and made a report, it is time to notify your insurance company.
It may be tempting to try and settle the possible costs of damage to the vehicle between the parties involved in the incident without notifying your insurance company to keep your rates from increasing or adding points to your DMV record. Statistics indicate that making private arrangements based on another party’s promises that they will reimburse you can backfire. The other party may change their mind for many reasons. Injuries that you thought were not serious may not be as superficial as you first believed. Soft tissue injuries may not appear until days later. Vehicle damage may be more severe than first thought. The other vehicle may become damaged by another accident at a later date and could result in you paying for someone else’s negligence.
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