For starters, Amourgis & Associates will get the relief you deserve. Being in an accident is scary. Not only is it important that you are safe but you need to know the different liability and insurance policies before and after an accident occurs. Here is a step by step guide for help if you are involved in an accident:
What To Do If You’re Involved in An Auto Accident: A Step-by-Step Guide
1. Check yourself for injuries.
If there’s anyone else in your vehicle, tend to them next. Then, check on the health of any other parties involved. Do you best to make sure everyone is safe. If necessary, receive medical attention immediately.
2. Call the police.
Even if no one is hurt, you’ll want the police report to corroborate the events of the accident.
3. Stay where you are.
Do not leave for any reason. If the vehicle(s) involved in the accident are in an unsafe position, carefully move them to the side of the road. Otherwise, don’t tamper with the scene.
4. Exchange info.
If there are other parties directly involved in the accident, exchange vehicle and insurance information with them.
5. Gather evidence.
Take photos of the vehicles and any damage they sustained. If you’ve sustained any injuries, document those as well. Look for nearby witnesses and get their contact information.
6. Once the police and other authorities arrive, follow their instructions.
Don’t worry about your car or any legal repercussions just yet. After you’ve made sure you’re free from harm and you’ve gathered all the information you can, it’s time to let the police take over.
Understand Your Auto Insurance & Accident Coverage
In accordance with Ohio State law, all drivers must have injury liability coverage and property damage liability coverage. Along with these insurances for the driver, the vehicle must a have its own liability insurance policy. Finally, driver’s must obtain proof of financial responsibility from the Ohio Bureau of Motor Vehicles (BMV.)
Let’s take a look at what each of these required insurances do:
- Injury Liability:
- Property Damage Liability:
- Vehicle Liability Insurance:
- Proof of Financial Responsibility:
Bodily injury liability insurance covers your person in the case that you’re found legally at fault for an accident. This coverage may also take care of expenses associated to the bodily harm sustained by a third-party in the accident. Ohio requires a minimum bodily Injury liability coverage of $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident.
If you’re found legally responsible for an auto accident and must account for property damages, this liability coverage safeguards your assets. Ohio requires a minimum property damage liability coverage of $25,000 for injury to or destruction of property of others in any one accident.
This is the standard auto insurance from a third party insurance agency. This covers damages to your vehicle, and/or other parties, during the case of an auto accident.
The Ohio BMV needs proof that you have the financial means to be responsible in the event of an auto accident. After purchasing the minimum required policies and presenting them to the BMV, they will issue you a proof of financial responsibility certificate.
In addition to these minimum requirements, your insurance agent may offer additional coverage for you and your vehicle. Here’s’ two Ohio auto insurance policies we recommend you purchase:
This coverage let’s your repair physical damage to your vehicle that doesn’t take place during a collision. This is great if you value your car’s aesthetic.
Covers repairs to your vehicle when you’re in a collision based accident with another vehicle or object.
Contact your auto insurance company to custom tailor a policy that works for you.
Have You Been Injured In An Accident?
If you’ve been injured or hurt as the result of an automobile accident, you should speak to a personal injury attorney. A lawyer can help you seek compensation for medical bills as well as pain and suffering. Every accident is unique. In order to understand all your options, seek legal counsel.
Amourgis & Associates is a personal injury law firm in the greater Ohio area. Our attorneys will fight to get you the financial justice you deserve. If you’ve been involved in an auto accident, contact us. We’re ready to work for you.