Driving in the Metro Manila is not an easy task and encountering a car accident is a complete headache. According to a study done by Uber, a ride sharing company, Metro Manila ranks 3rd worst city to drive in Asia. In addition, the Metro Manila Accident Recording and Analysis System claims that an average of 299 road crash incidents happens every day in Metro Manila alone.
That’s why a car insurance policy in the Philippines like Malayan AutoMaster is extremely handy. While we cannot tell when the next car accident will happen, it’s important to be prepared in every trip you make. Now, here are the things you need to keep in mind once you get caught up in a car accident.
Be calm and check for injuries
This is the most important on this list – to keep calm because panicking and even exchanging curses and explicatives with the other driver won’t get you anywhere. It is physically, mentally, and emotionally gruelling to be involved in a car accident but you still need to be collected when you deal with it. You have to check on yourself first and when you’re done, check on your passengers to know if someone is in need of medical attention.
Ensure car’s position
While in shock, some people ignore the fact that they are still in middle of the road. So before you get out of the car, check if it’s safe to go out. All the more if you’re on the expressway or a highway. Once checked, put your car on park and pull the handbrake to make sure it won’t move. It is also advisable to switch on your hazard lights and use an early warning device for incoming traffic.
Report the incident to authorities
Ask for assistance from authorities straightaway. This is to minimize the time you’d have to wait since arrival of dispatch will depend on where and when (rush hour or not) the accident happened. Considering the road and traffic conditions of the Philippines, patience is a must. Pass the time by talking amicably with the other driver involved in the accident.
While waiting for assistance, take pictures of the whole scenario, each vehicles’ position, and the damages sustained. This is important because it will be used as a basis to determine who’s at fault and to support your claim on your car insurance policy.
Get the other driver’s information
Take note of the car details, driver’s name, and politely ask for an identification card for confirmation. A picture of it would be an added bonus. Also, ask for a secondary identification card if possible. There have been instances where fake identification cards are produced so you can never be too sure. Likewise, the other driver may also asked similar identification from you.
File a police report at the Traffic Bureau
At the traffic bureau, you will be required to present your vehicle’s documents and fill out a form. You’ll be putting in written form your version of the story. An interrogation afterwards will be done with the drivers and both will be asked on how you would want to proceed.
Most of the time, people reach a settlement rather than file a case at each other, although that would depend on the gravity of the damages and admittance of fault. The possible worst case scenario is that neither would admit responsibility for the accident.
Either way, you would need the police report for your insurance claim. Police reports usually takes at most a day to make so you will probably be asked to come back for it the next day.
Process your insurance claim
Contact your insurance representative to report of the incident and know what are the needed requirement to process your claim. Make sure to bring along the police report as this can speed up your insurance claim. This is the basis of insurance companies in the Philippines for the damages you have acquired on the incident.
Getting involved in a car accident is truly a headache. With Malayan AutoMaster, you won’t have to worry about your vehicle and passengers when you got involved in a car accident. So be insured with the leading non–life insurance company in the Philippines today!