Imagine you’re driving home after a long day at work, and suddenly, you’re jolted by a thud at the rear of your car. You’ve just been involved in a bumper bashing. While it’s not a major accident, it can still be a nerve-wracking experience. This guide will walk you through the essential steps to take when you find yourself in this very common, but stressful situation.
Safety first
The immediate aftermath of a collision can be chaotic. Your priority should always be safety. If possible, move your car to the side of the road to avoid obstructing traffic and further accidents. Turn on your hazard lights to alert other drivers, and check if anyone involved needs medical attention. If there are injuries, call emergency services without delay.
Stay calm and collected
It’s natural to feel a rush of emotions after an accident. However, staying calm is vital. Take a moment to collect your thoughts. Deep breaths can help you maintain composure, which is necessary for the steps that follow.
Document everything
In the age of smartphones, documenting the scene is easier than ever. Take clear photos of the damage to both cars, the overall scene, and any relevant street signs or landmarks. These photos can serve as evidence and assist in the accurate reporting of the incident to authorities and insurance companies.
Exchange info
Approach the other driver calmly and request their name, contact details, insurance info, and car registration number. Be polite and cooperative but remember not to admit fault or liability at this stage.
Notify the authorities
Even if the accident is minor, a police report can be crucial. It provides an objective third party perspective on the incident, which can be beneficial during the insurance claim process.
Contact your insurer
Let your insurer know about the accident as soon as possible. They’ll guide you through the next steps, which may include sending a tow truck or an assessor to evaluate the damage.
Seek legal advice
If there’s any dispute about the accident or if you’re unsure about any legal aspects, it’s wise to consult with an attorney who specialises in traffic incidents.
Get a professional assessment
Don’t rely on a visual inspection to assess car damage. Hidden damage can go unnoticed. A professional mechanic can provide a comprehensive assessment, which is essential for an accurate insurance claim.
Stay organised
Keep all docs, including the police report, photos, and correspondence with your insurance company, in a safe and organised manner. This will help streamline the claims process and ensure you have all the necessary info on hand.
Learn and move on
Reflect on the incident. Could you have been more attentive? Were you following all road safety rules? Use this experience to improve your driving habits and reduce the risk of future accidents.
A bumper bashing isn’t the end of the world, but it does require a level of savvy to handle it properly. By following these 10 steps, you’ll be better prepared to deal with the situation effectively and with minimal stress. Looking for an insurer that can keep you covered, even when a bumper bashing happens? Look no further than the king of insurance. Get a commitment-free quote today by simply clicking here or chatting to us on WhatsApp (0860 50 50 50). Drive safely!
Psst… This blog provides general info only and doesn’t count as financial or product advice from King Price or our legal and compliance experts. Remember, all our premiums are risk-profile-dependent, and T’s and C’s apply. Our most up-to-date KPPD (policy wording) can always be found here.
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