With a car insurance protection plan in place you will not have to worry whenever there is a minor accident or mishap which is common with any vehicle.
However all said and done you will be left fretting in times of an accident not knowing what to do next. It is always better to know what process is required to be followed in such cases.
If the mishap is minor in nature more like a bumper-to-bumper hit, you may drive over to the side of the road and part. The traffic needs to move on and you can avoid blocking the road.
If your cars are in the middle of the road, it can cause further accidents and injuries to others. Therefore switch on the hazard lights of both the vehicles to warn the others.
The next best thing would be to report to the police about the occurrence. If it is a minor mishap chances are that they may not come in immediately if they are not in the vicinity. But insurance process requires that you register and file the report with the police and hence this has to be complied with.
You will need to collect all the details of the other vehicle driver. The details should include his name, license number, address, insurance details along with vehicle details, number, registration, model etc.
There is no need to have any conversation as to who was wrong and to admit that you were at fault. The police will decide who was at fault and report to the insurance.
You would need to inform the insurance agency about the accident and they will take over from there and deal with things. If possible make sure you photograph both vehicles in detail and provide it to the insurance agency.
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