What to Do in a Fender Bender? A fender bender can be one of those stressful things to engage in, but it would do a lot of good to have an idea about the procedures one should engage in after the incident. First and foremost, secure safety by moving vehicles into a safe spot and checking on injuries. Document the scene, then exchange information with the other driver and report to authorities if necessary. These will help in preserving your rights and ensure a smoother resolution of the case. As an Edwardsville IL law firm, the Walton Telken Law Firm is ready to guide you through that process and help you after a minor car accident.
How Can a Minor Car Accident Affect You?
Even a small car accident can disrupt daily life with attendant financial burdens of repair costs, medical bills, and means of transportation. Emotional trauma usually accompanies liability disputes and dealing with insurance claims. If left unattended, a minor injury like whiplash or bruising gradually becomes a chronic problem. Knowing the possible consequences, one is well-placed to take steps proactively with regard to repairs, medical attention, and legal action to minimize the long-term issues a person faces.
How Will a Fender Bender Affect Your Insurance?
Will your insurance premiums increase after a fender bender? In many cases, yes. Insurers often raise premiums after an accident, even if you weren’t at fault. Reporting the accident promptly and providing accurate information can help minimize complications with your vehicle accident claim.
Potential Injuries from Minor Car Accidents
You would not want to underestimate the injury prospect in a minor car accident. Whiplash is one of the most common injuries and involves a jolting of the neck due to the sudden force from the collision. These will also include soft tissue injuries, sprains, and strains that take a long time to heal. Even slight concussions may not be recognized at the time but later create severe after-effects if left untreated. Cuts and bruises, besides minor fractures, may be sustained from the impact or deploying airbags. Even minor injuries require medical attention for proper diagnosis and documentation. It is important in insurance claims or any legal proceedings because the records prove any expenses related to the injury.
Immediate Steps to Follow When You’re Involved in a Fender Bender With Other Vehicles
What’s the first thing to do after a fender bender? Your safety comes first. Follow these steps:
- The Illinois Vehicle Code, Sec. 11-408, states: flash your hazard lights on and move your vehicle to a safe location if possible. When vehicles can be moved with safety, Illinois law mandates drivers to remove cars from the roadway to avoid creating additional hazards.
- Check yourself and your passengers for injuries and call 911 if immediate medical attention is required.
- Document the scene thoroughly:
- Take pictures of all cars and motorcycles involved, license plates, and visible damage.
- Photograph road conditions, traffic signs, and signals.
- Exchange information with the other driver, including:
- Names and contact details.
- Insurance policy numbers.
- Vehicle registration details.
- Avoid admitting fault or making any statements about liability, as these can complicate the claims process.
Be Prepared for a Fender Bender
Keep essential items in your vehicle, such as a phone charger, notepad, pen, and insurance information. These tools will make it easier to handle the situation effectively.
Following Up Steps After a Minor Car Accident
After taking immediate action, notify your insurance company promptly. Illinois law requires reporting accidents involving catastrophic injury, death, or significant property damage. Provide the collected evidence and information. Arrange a doctor’s appointment, even when no serious injury can be observed, as signs can occur afterward. Organize all your papers together, like medical bills or estimates for repairs. Knowing your policy-what is covered and to what limit-can eases the way to settle the claim.
What If You’re in a Single-Vehicle Accident?
Single-vehicle collisions, in which a car hits a stationary object or slides off the road due to weather conditions, can still result in substantial damages and injuries. Determining the cause of the accident is critical. Factors such as poor road maintenance, defective car parts, or inadequate signage might shift liability away from the driver. Filing a police report can provide documentation that supports your case if you decide to file a claim or pursue compensation. Reviewing your policy’s collision coverage will clarify the extent of your financial protection in such situations.
Should You Still File an Insurance Claim?
Is it necessary to file a claim for single-vehicle accidents? Yes, especially if there’s significant damage or injuries. Filing ensures compliance with your policy and helps you recover potential costs.
Who Is Liable?
Under Illinois Vehicle Code, Art. IX, in single-vehicle collisions, liability usually rests with the driver. However, road conditions or mechanical failures may be other factors that could affect the case.
Contact Walton Telken Law Firm for Help
Dealing with the aftermath of a fender bender can be daunting, but Walton Telken Law Firm is ready to assist Edwardsville residents every step of the way. Call us at 844-307-7399 or visit our office at 241 N Main St, Edwardsville, IL, for a consultation.
