Friday, February 25, 2011

After meeting an accident while driving on the road

It is important to get as much information as possible, if you met or involved in accident. At the time of accident many times it may happen that we are not in a state to gather the information but at a later date as soon as you can provide the information. This will help your claim and assist your insurance company get the best possible result at a later date.
If you meet to an accident and you are unable to get out of your car or it's not safe to try carry on your seat belt safe, turn on your hazard lights. If you able to drive your car and are in a dangerous spot or which leads to blocking traffic, find a protected and legal place to park your car for e.g. shoulder of a highway or a parking lot. It's illegal to move your car from the scene of an accident in some states, though. Ask your driving instructor what the law is in your state for driving practical test.

Information to gather at the time of accident (if possible):

* Whether the parties were using headlights and/or indicator lights.

* Vehicle details including make, model, registration number, colour, any modifications and the number of passengers in each vehicle.

* Time and date.

* If you have a camera, take some photographs of the accident scene.

* Contact details including names, addresses and telephone numbers of drivers, passengers and pedestrians involved. If a party is driving within the course of his employment, take both the driver and the employer's details. It may be worth noting a description of the driver, location and any distinguishing features.

* Insurance details for the driver of the other vehicle.

* The weather, visibility and lighting conditions, including street lighting.

* Name, "collar number" and force details of any police officer attending and other emergency services details if appropriate.

* Identify the damage to each vehicle involved.

* Identify any injuries to persons involved.

Useful information to jot down at the time or after the accident

* Estimated speed of the vehicles involved.

* A description of the scene of the accident, including any relevant road markings, signals and obstructions.

* A full description of what happened including sketches of the vehicles positioning.

* The type of road.


* The company may decline to insure you if you have not notified them of the accident within the time period set out in the policy. Inform your insurance company of the accident as quickly as possible.

* It's an crime to decline to give information to the other driver following an accident, if there has been damage or property harm.

For protection and security DSA government has introduced the hazard perception test:

Hazard perception test has been introduced in the driving theory test. Hazard perception test plays a very vital role as it helps in reducing number of deaths on the roads. While driving there are some hazards to which driver come across such as huge vehicles moving over to your side of the road, loose pets and farmyard animals, change in the traffic movement and volume, junctions and roundabouts, horse riders, weather conditions of the day, road surfaces, parked vehicles, hidden junctions & turns. It helps the new driver unfairly involved in accidents, generally in the first months after passing their driving test.
A driver has to face all this obstacles and has to come out of all this very smoothly and make his own way. In this pattern of driving theory test you will be shown 14 hazard video clips on the computer screen which will be of one minute each. You have to watch these clips as if you are the driver. There will be at least one hazard in each clip means totally you have to find 15 hazards. All together one clip will have two hazards.

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