3. Involved in
a motor vehicle accident?
What is the first
thing you do when you get involved in a traffic
accident and you think you are not the one at fault?
We are not talking here about a major accident with
injuries or fatality. If you have a comprehensive
insurance, you will unlikely need this advice either,
unless you are under 25 and paying a $700 excess
really hurts.
The first thing you
should do is to get out of the car and stop any car
travelling behind you. These people will be your very
valuable witnesses. There are many cases when this is
not done. And you had that very nice person in the
car which collided with yours, who agreed on the spot
that the fault was his (hers). The trouble is, when
you ring that person and ask to pay for damages, the
answer is: no witnesses - no money, it's all your
fault. Even worse, we have seen situations when such
a person would sue you for his (her) damages. So get
the witness - fast.
It is also advisable
to spend $15 on one of those disposable photocameras
which are sold in supermarkets, pharmacies and
newsagencies. It is better to obtain a camera with an
in-built flash and higher film speed. Keep it in your
glovebox. After you have secured
your witnesses, it is a good idea to take a few shots
of the accident scene. Make sure that you have the
following views covered:
- general views of
both cars together on the same shot from
various directions;
- both cars,
preferably on the same shot, with their
number plates clearly seen;
- damaged sides of
both cars - the car should fit on the shot in
full, so that the damages could be assessed
in terms of their location on the car and
size;
- close-ups of
damages on both cars
You have 24 shots in
that camera - spend them wisely, but spend them all.
Do not let anyone to rush you removing your car to
the kerbside before you have finished - it is your
right to take whatever reasonable actions are
necessary to protect yourself against financial
losses.