In case you have an accident

Filed in News by on 29th March 2018 • views: 129

Whattodoifyouhaveacaraccident In case you have an accidentWe truly hope that you never have an accident, but in the unfortunate event that you do, we hope these tips / steps will help you

How these steps are followed will depend on the severity of the accident, and whether there have been any injuries.

CHECK

  1. Stop your vehicle (if it can still move), then switch your hazards on and check if the road and your immediate surrounds are safe.
    • If vehicles are obstructing traffic, take as many photos as you can – from different angles – of the original accident scene, before moving any cars. UNLESS there are any injuries (in which case the vehicles must remain as is until the authorities arrive to take charge of the situation) move vehicles to the side, but if you are unsure, rather leave vehicles on the original scene and make sure to direct traffic / put out emergency triangles.
  2. Check if anyone was injured.
    • Do not provide first-aid or medical assistance unless you are qualified to do so.
  3. Assess the damage. Take photos from all angles, and close-up photos of damage to all vehicles involved.

CALL

  1. In case of injury, call the national emergency number: 112 from your mobile phone (10177 from a landline). This is a 24/7 service that operates nation-wide, and will dispatch the appropriate services to your location. The response time will vary depending on where you are (e.g. in the city vs a remote area).
  2. You are required to report the accident to the police within 24 hours. If you are not able to, due to the nature of your injuries or hospitalisation, you must do so as soon as you can, together with a detailed explanation of the delay.
  3. You must also report the accident to your insurer, even if you are not planning to submit a claim.  Remember to inform your insurer WITHIN 30 DAYS of the accident should you want to claim.  Also remember to inform your insurer about the accident should the third party need to claim – your insurer still need to be informed.

EXCHANGE

Record the following information from all parties involved in the accident:

  • Full names & surnames
  • ID numbers
  • Contact numbers (home, mobile & business)
  • Residential addresses
  • Email addresses
  • Vehicle registration numbers (tip: take a picture of the license disc on the windscreen)
  • Make, model & colour of all vehicles involved (tip: take pictures of the model name)
  • Names and contact details of all emergency personnel on the scene – police and traffic police officials, tow truck drivers and medical personnel
  • The exact location of the accident
  • Time of the accident
  • Road conditions & visibility
  • Also make a note of any events immediately prior, during and after the accident. Was the other party talking on his/her phone? Do you believe the driver was drunk? Did one of the parties involved commit a traffic violation like going through a red traffic light or irresponsible overtaking? Record these details for reporting to the relevant authorities or your future reference.

TOP TIP:  Avoid frustration later down the line and rather collect all this information while you are at the accident scene. Rather have too much information than too little, to ensure that you have everything required by insurers and other authorities.

DO NOT…

  1. Accept any liability for the accident (even if you were at fault; let the authorities handle this).
  2. Allow your vehicle to be towed by anyone other than a service provider authorised by your insurer.
  3. Have your vehicle towed until you have been given a detailed signed tow quote that also includes storage fees, if necessary.

ARE YOU INSURED?

Remember – different insurance companies may have different ways of dealing with emergency and claim procedures. Contact your insurer’s emergency number and ask for assistance.


SAMBRA: www.sambra.biz

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