A large number of accidents occur due to negligence by one of the drivers. They might have been on their cell phone, driving too fast, not been at a safe distance behind the motorist in front or just an over-all lack of proper care taken when in charge of a vehicle. If the other driver is at fault for the accident, and, ideally, they’re covered by insurance, it will improve your chances of getting compensation sooner rather than later.
There are different factors that sometimes help cause a road traffic accident or may determine the degree of seriousness. Normally a accident occurs as a result of poor driving on the part of at least one of the motorists involved even though additional factors for instance inadequate condition of roads, potholes etc and also other variables for example poor visibility may play a part, if driver fault is a problem in any way, then the injured party will be able to make a compensation claim for personal injuries as well as other losses suffered as a result.
Sorts of injury
These can vary greatly from very minor whiplash-type injuries which may only merely be apparent along with other soft tissue injuries to very serious head injuries and spinal traumas. Whiplash itself can be very minor or more serious depending on the type of collision as well as the position of the head at the moment.
The most frequent symptom of whiplash can be described as pain in the neck, though this might spread along the arm and may include a tingling and numbness. It is possibly more widespread as a term nowadays due to the compulsory usage of seatbelts as they are competent at preventing serious injury although they certainly place more strain on the neck during the moment of impact.
Steps to take
Try to take down the other car’s make, model and registration number. Problems can occur in the event the other driver provides a fake address or other misleading information, so if possible our advice is to write down plenty of details of the other vehicle as you can. Problems of a different sort occur when the other driver is not covered by insurance.
If you’re unfortunate enough to become in an automobile accident with a uninsured driver, it doesn’t automatically mean that you will finish up becoming out of pocket, but the procedure is far from simple and is quite complicated. The Motor Insurers Bureau has been set up in order to reimburse drivers associated with incidents with uninsured motorists however it undoubtedly leads to a extended and complex procedure and also the innocent driver has to produce a formal complaint to the police.
Additionally, at the particular scene, in addition to taking down the model, make and registration plate of the other car in the accident. Try and ensure you get various other details such as for the other motorist, the names and addresses of any witnesses to the accident, as well as specifics of the accident too. Thus information required are where the accident occurred, what time of day it was, the condition of the road at that time etc. Also, if at all possible take any photographs, with a camera or perhaps a cellular phone, in order to accurately show the accident scene.
If the vehicle is in need of restoration, contact your insurance company who will inform you of a mechanic to get in touch with regarding the vehicle repairs. You will need to pay out the excess though when there is no dispute concerning the other driver being the main cause of the car accident, then the insurer will reimburse the excess. In the event the automobile accident is your fault then it will inevitably have an impact on your premiums, your excess as well as your no-claims discount.