After a car accident, you should first ensure your safety and the safety of other parties involved. If anyone is injured, call 911 for medical assistance immediately. Also, call the police to report the car accident.
In the meantime, exchange contact and insurance information with all parties involved. Gather names, phone numbers, addresses, driver's license numbers, and insurance details. If there are witnesses, obtain their contact information as well.
Once the police arrive, an officer will document the crash scene and create an official report. This report will be valuable when it comes time to pursue your car insurance claim. You can also take photos of the crash scene to gather fresh visual evidence. Be sure to include the positions of the vehicles, damage to both vehicles, road conditions, and any visible injuries.
After the car accident, you’ll need to report it to your insurance company as soon as possible. Provide only basic information on the date, time, location, and parties involved in the crash. Avoid discussing blame or making statements that could jeopardize your claim.
You should also get prompt medical attention, even if you don’t believe that you’re injured. Some injuries take hours or days to produce symptoms. Getting a medical evaluation allows you to address potential injuries before they get worse and create a record of your injury.
Lastly, speak to an experienced car accident attorney who can investigate your crash and fight for a fair car accident settlement.
There can be several reasons why an insurance company might refuse to pay after you’ve been hit by another driver.
Your insurance policy may have specific exclusions that limit coverage in certain situations. For example, your policy may not cover certain types of accidents, such as hit-and-run incidents, if you don't have the appropriate coverage. However, if you have uninsured motorist (UM) coverage, you can recover damages, even if the hit-and-run driver can’t be identified. This also applies if the driver who hit your car is uninsured or underinsured.
On the other hand, if your insurance policy has lapsed due to non-payment, your insurance company may refuse to cover the damages. Also, failing to report a car accident promptly or provide correct information to your insurance company can lead to a claim denial.