Insurance Car Accident People Drivers Assigning Blame Safety

When people are in a car accident, safety is the most important thing. Before doing anything else, they should try to "ensure" (make sure something happens or is possible) the safety of all the people involved in the accident. If a car is burning, this means getting everyone away from the car. If a person is not breathing, someone should "administer" (provide) "CPR" (cardiopulmonary resuscitation; pushing on one's chest and breathing into one's mouth) and call "9-1-1" (an emergency number used to request ambulances, fire trucks, and police cars). If there are serious "injuries" (people being hurt) or deaths, the drivers should wait for the police to "arrive" (come) before doing anything else.

If everyone is safe, the next "priority" (the order in which things should be done) is to "pull the cars off the road" (move cars to the side of the road) so that "traffic" (the movement of cars in the street) can continue to move along the street.

Next, the drivers should "exchange" insurance information, with each person involved in the accident, giving the other people the name of his or her insurance company, policy number, and telephone number. They may also want to take photographs of the cars' positions so that they can "document" (provide evidence of) what happened when they "file" (officially submit a document) their insurance claim.

If the accident is not serious, sometimes the drivers will agree to "settle" (find a solution that satisfies both people) without contacting their insurance companies. In this case, the driver who is at fault will agree to pay for the other car's damages without ever letting the insurance company know about the accident. This keeps his or her "insurance premiums" (the money paid each month to have insurance) "down" (minimal; without increasing).