Money-smart ways to handle a van accident

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Any type of accident can be stressful, and it’s hard to predict what you’ll do when it happens. How you react in the moment, and afterwards, can have an effect on your financial situation.

There are things you can do to protect your legal rights, and make sure the process goes as smoothly and calmly as possible.

Read up on these five tips so you’ll be prepared to handle a van accident.

Photograph the scene of the accident

It’s important to document the accident to prove what occurred. Take photos on your smartphone from every angle and distance to accurately capture the damages.

Don’t forget to include license plates, skid markets or debris on the ground. If anyone was visibly injured, take photos of them too. Look out for factors that may have contributed to the accident, such as pot holes and lights that aren’t working.

Call the police and file a report

Even if the accident was small and there were no serious damages, it’s best to report it.

If police can’t be present at the scene, you can still file an accident report. This should be done as quickly as possible while the events are still fresh in your mind.

Report the accident to your insurance company

Reporting an accident can usually be done via phone, an app or online. You should notify your insurance company as quickly as you can, otherwise you could violate your terms and be unable to make a claim.

Making sure you have adequate van insurance is crucial. One Sure Insurance offers insurance policies for anybody who deals with vehicles as part of business operations. They’ll get you the cheapest quote and help you understand everything you need to know.

Censor what you say

Accidents can be a tense situation, whether you’re at fault or not. It’s always best to remain as calm as possible. Throwing blame or getting angry won’t be of benefit to anyone.

It’s also important not to admit fault, even if you believe you were responsible for the accident. Doing so may invalidate your insurance policy. Let the responding police officers act objectively to determine this.

If the other driver is acting unpleasantly or wants to talk about cost of damages, simply tell them your insurance company will contact them.

Exchange insurance and contact information

You’ll need to keep note of the names of the driver, passengers, any witnesses, and responding officers (including their badge numbers). Also be sure to write down phone numbers, license plate numbers, and insurance information.

It’s a good idea to keep your own contact and insurance information in your glove box for you to give to others. This will be especially helpful for anyone who might be borrowing your van and be unsure of these details.

 

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