A car accident can understandably leave you feeling shaken, angry and injured. People who know what to do in the immediate aftermath may be able to process the situation easier and know what to expect.
If you or anyone else is injured as a result of the incident, you should immediately call for emergency help. Otherwise, the first phone call should be to local law enforcement officers. Having them on the scene will provide you with an official report of the incident, which is crucial if you have suffered any kind of damages.
Next, call your insurance company, and the representative should be able to walk you through the next steps. For example, you should collect information on your own, such as the following:
- The contact and insurance information of the other driver
- Names and contact information for any witnesses
- Pictures of the scene
As the State of New Jersey Department of Banking & Insurance points out, the state uses the comparative negligence model to determine how much each driver contributed to the accident. The outcome of the investigation may determine how much you receive in compensation. If you are found to be partially responsible for the accident, the other driver’s insurance company could reduce the amount of money you will receive.
You are, however, able to file a lawsuit against the driver or the insurance company if you believe that you have not received the damages to which you are entitled. While this information may be useful, it should not be taken as legal advice.