Watch Out!

May 18, 2016

Eddie was driving down the road and a met a car coming the other way. Although there was room to pass easily, Eddie forced the oncoming car to slow down, wound down his window and shouted “pig.” The other driver looked in his rear view mirror and swore at Eddie. Then his car hit the pig.

(Source: Guy-Sports: http://www.guy-sports.com/jokes/car_jokes.htm)

 

In all countries, car wrecks are a fact of life. Factor in weather and negligent drivers and you've got a cocktail for road trouble. In an effort to quell the ever-increasing amount of fender-benders, MPI has worked to collect a number of methods and steps to take to prevent and handle potential automotive accidents.

As a pre-emptive strike against chances to get into a wreck, be sure to carry around your drivers license and proof of insurance. Not only is it a legal requirement in most places, but it'll help cover you. A few more items to keep in your vehicle are pens, paper and a phone with a camera. Additionally, it's good practice to keep some cones, reflective warning triangles or two to three flares on hand.

Regardless of how much preparation you have and how careful you are, sometimes there's no avoiding a wreck. In the event that something bad does go down, stay calm. Keep safety a priority, for yourself and those around you. If you or others are seriously injured, the first thing you should do is call 911. If your car went from pristine and pretty to crumpled up but everybody is relatively okay and safe, just call your local police department. There's no reason to clog up the emergency lines.

Don't worry about keeping the cars exactly how they were after the accident. If they can still drive, drive them to safety and try not to block traffic. Failing that, be sure to turn on your hazards (provided they're still functional), lay down the cones or flares and get yourself to safety.

On the legal side of things, watch your language, and I don't just mean keeping your sailors vocabulary on the down low. Try not to admit fault or put the fault on somebody else. Just keep your head down and let the police and insurance companies handle it.

Speaking of insurance, collect the name of the other person in the collision, their address, phone number, email and all the car information including make, model, the year and the license plate number. From there, get their insurance info. Who are they insured by and what's the policy number?

If you can, take a picture of every single detail. You want to have as much visual evidence as you can even if you know you're at fault. From there, get all the officers information. If they give you any grief, just assure the officer you only want their badge number, contact information and a police report for the courtroom.

Now you're almost in the clear. Right after the accident, which is literally the very second the officer walks away, file a claim with your insurance company. They know what to do from there and will have you back on the road in no time. 




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