Being involved in a car accident is nerve wrecking and can leave you feeling shocked and confused. However, do not let your emotions get the better of you, stay focussed and make sure you do not make any of the following common mistakes:
- Driving off: Stop immediately after the vehicle accident happened. Do not drive off, as this is a legal offence and can result in a legal case being opened against you for obstructing the law.
- Moving your vehicle after the accident: You can only move your vehicle if you were involved in a minor accident and if no one got hurt. If there are injured people in the vehicle, do not attempt to move the car until the SAPS or emergency services have arrived.
- Losing your temper: Do not overreact or get angry. The best way to handle the situation and making sure that minimum damage is done is to stay calm and focussed at all times.
- Admitting that you were wrong: Do not apologise as this could negatively influence your vehicle short-term insurance claim. Rather let the SAPS determine the cause of the accident.
- Not reporting the accident to the SAPS: You would need a case number and therefore need to report the accident to the SAPS within 24 hours. Call the SAPS immediately after the car accident took place where someone was injured or died.
- Providing false or misleading information: Lying to the authorities or your short-term vehicle insurance provider can get you into big trouble – you could be criminally charged. Only provide the other driver with your name, ID number, contact details and your short-term vehicle insurance details.
- Forgetting to collect vital information: Make sure that you have the following details for the other driver involved in the accident: name, ID number, contact details and their short-term vehicle insurance details. Also, remember to take the details of any eyewitness at the scene as it would be difficult to track them down after the incident.
- Not taking photos or videos at the scene: This is valuable information that you may need when you report the accident as well as when you lodge a short-term insurance vehicle claim. Make sure that you take photos of the accident scene, any damages or injuries, take photos of your surroundings, the weather as well as of the other driver’s number plate and vehicle licence disk.
- Do not vent on social media: If you go public the information could easily be accessed and used against you.
- Failing to seek legal advice and assistance: Make sure that you consult a legal expert that will be able to give you the right advice in terms of the steps you need to follow and the documentation that you will need when you are involved in a car accident.
In the event of a write-off you will most probably need to enter into a new vehicle finance agreement in order to replace your car. Remember to research which affordable vehicle financing options are available before you decide on a vehicle finance provider. A pre-approval letter, obtainable from any Iemas branch, can also assist as it helps you to determine the vehicle finance amount you qualify for.
Speak to Iemas’ vehicle finance department on 0861 043 627 to assist you in getting back on the road and obtain advice from Iemas Insurance Brokers about affordable vehicle insurance cover that suits your unique requirements best – 0860 102 383.
Reand other interesting blog article here: Do you know what you are in for when financing your car? or Biggest car myths explained.
Adapted from: https://m.wheels24.co.za/News/Guides_and_Lists/serious-backlog-at-the-road-accident-fund-worth-billions-masterdrive-sa-20180313