By Seth A. White
First and foremost, do NOT leave the scene of the collision. Arkansas law states that all drivers have a duty to give information, remain at the scene, and render aid. Ark. Code Ann. Sec. 27-53-103. Failing to adhere to this duty could result in serious criminal charges. Make sure to check on all drivers and passengers involved in the collision. If someone needs medical attention, call an ambulance for them immediately.
Always call the police, even if it just a minor collision. Insurance companies will require a police report in order to process most claims. If liability for the collision is not properly documented, they may have grounds to deny your property and injury claims.
Exchange pertinent information with all drivers and passengers involved. This includes: name, address, driver’s license number, and insurance information. Always be respectful to other drivers, but remain persistent in obtaining this information as it will likely be the only chance you have to interact with the other drivers.
Take photos of your vehicle as soon as possible after the accident. Photos can help speed up your property claim and serve as evidence as to the significance of the accident.
Do not deal with insurance companies alone. As a former insurance defense attorney, I am well aware of the potential pitfalls inherent in dealing with insurance companies. Insurance companies are for-profit businesses and their main concern is their bottom line—not you or your property. If you want to make sure you are being treated fairly, you will need an advocate who is on your side throughout the process.
If you, or someone you know, has been injured in a car accident, and is struggling to deal with insurance companies, please do not hesitate to give us a call at 479-621-0006, or visit our website at nwacaraccidentattorney.com.