It is never a pleasant experience to have someone hit your car. It can be frustrating, time-consuming, and expensive to deal with the aftermath. However, it is essential to know what to do when someone hits your car in Australia to ensure that you protect yourself and your vehicle.
1. Stay Calm and Assess the Situation
The first thing to do when someone hits your car is to stay calm and assess the situation. Take a deep breath and try to remain composed. Check if anyone is injured and if there is any damage to the vehicles involved.
2. Gather Information
The next step is to gather information. Exchange contact details with the other driver, including their name, contact number, and address. Take note of their registration number, vehicle make and model, and insurance details. If there are any witnesses, ask for their contact information as well.
3. Contact the Police
If someone is injured or there is significant damage to the vehicles, contact the police immediately. They will assess the situation and file a report, which will be useful in proving liability and insurance claims.
4. Take Photos
Take photos of the damage to both vehicles and the surrounding area. This will serve as evidence if there is a dispute over who is at fault. Make sure to take photos of the other driver’s license, registration, and insurance documents.
5. Contact Your Insurance Company
Contact your insurance company as soon as possible and provide them with all the information you have gathered. They will advise you on the next steps and guide you through the claims process.
6. Get Your Car Repaired
Once you have filed a claim with your insurance company, you can get your car repaired. They will advise you on the repair process and provide you with a list of approved repairers.
7. Keep Records
Keep a record of all the expenses you incur as a result of the accident, including repair costs, rental car fees, and medical bills. Keep all receipts and invoices, as these will be useful in claiming compensation from the other driver’s insurance company.
8. Seek Legal Advice
If there is a dispute over who is at fault, seek legal advice. A lawyer can provide you with guidance on how to proceed and represent you in court if necessary.
9. Be Prepared for a Court Hearing
If the matter goes to court, you must be prepared. You will need to present your evidence, including photos, witness statements, and receipts. A lawyer can help you prepare your case and present it effectively in court.
10. Protect Yourself from Future Accidents
To protect yourself from future accidents, make sure you have adequate car insurance. Consider getting comprehensive coverage, which will protect you from any damage caused by other drivers. Be careful on the road and follow all traffic laws to minimize the risk of getting into an accident.
In conclusion, getting into a car accident is never easy, but knowing what to do when someone hits your car in Australia can help you protect yourself and your vehicle. Stay calm, gather information, contact the police and your insurance company, take photos, keep records, seek legal advice if necessary, and be prepared for a court hearing. Protect yourself from future accidents by being careful on the road and having adequate insurance coverage.
5 Unique FAQs
- What should I do if the other driver doesn’t have insurance?
If the other driver doesn’t have insurance, you will have to rely on your own insurance to cover the damages. However, if you have comprehensive coverage, you may be able to claim compensation from your own insurance company.
- How long does it take to get my car repaired after an accident?
The time it takes to get your car repaired after an accident depends on the extent of the damage and the availability of repairers. Your insurance company will provide you with an estimate of the repair time.
- Do I need a lawyer if the other driver’s insurance company offers me a settlement?
If you are satisfied with the settlement offer from the other driver’s insurance company, you may not need a lawyer. However, if you feel that the offer is not fair, a lawyer can help you negotiate a better settlement.
- Can I claim compensation for lost earnings after an accident?
If you are unable to work as a result of the accident, you may be able to claim compensation for lost earnings. Keep all receipts and documentation to support your claim.
- Will my insurance premiums go up if I make a claim?
Making a claim on your insurance may affect your premiums, but this depends on your policy and the circumstances of the accident. Contact your insurance company to find out how making a claim will affect your premiums.