Immediate Steps to Take After a Car Accident

Experiencing a car accident can be overwhelming, but knowing the immediate steps to take can help you stay composed and protect your rights. Here’s what you should do:

• Ensure Safety: First, check yourself and passengers for injuries. If it is safe to do so, move your vehicle to the side of the road to avoid further collisions.
• Call Emergency Services: Immediately call 911. It is crucial to report accidents, regardless of severity, to ensure that there's an official record and that medical assistance is provided if needed.
• Exchange Information: Swap contact information, insurance details, and vehicle identification numbers with all parties involved.
• Document the Scene: Capture photographs of the scene, vehicle damage, and any visible injuries. Note down road conditions, weather, and any witness contact information.
• Limit Discussions: Refrain from admitting fault or speculating about what happened. Stick to sharing only necessary information with police and your insurance provider.

Understanding Fault in Pennsylvania

Pennsylvania follows a "choice no-fault" system for car insurance. Here's how it works:

• No-Fault Insurance Option: This type means that after an accident, your own insurance company pays for your medical bills and other out-of-pocket losses, regardless of who caused the accident.
• Fault Determination: Liability can be determined by examining police reports, photos, witness statements, and expert analysis.
• Comparative Negligence: Pennsylvania uses a comparative negligence model, meaning compensation can be reduced based on your share of fault. If you are more than 50% at fault, you may not recover damages.

When to Contact a Lawyer

Not every car accident requires a lawyer, but there are situations where legal advice can be crucial:

• Severe Injuries: If the accident resulted in serious injury or death, a lawyer can help seek proper compensation.
• Disputed Fault: If fault is contested, an attorney can navigate the complexities of the legal system on your behalf.
• Insurance Issues: If your insurance company is uncooperative or acting in bad faith, legal representation can help ensure you receive your due benefits.
• Larger Settlements: A lawyer is experienced in negotiating higher settlements than you might accomplish on your own.

Accidents are stressful, but knowing how to respond can make all the difference. By following the steps outlined, you can protect yourself legally and financially while promoting your health and safety.