A traffic accident or collision are not events that can be predicted and in the event of an accident we should already remember that cars and similar items can be replaced but we as humans can’t be.
In this article we are going to cover what you should do first, what to expect when/if the Police arrive and steps you should take to protect yourself.
What to do first?
First of all, we should remember to secure the scene and prevent any damage from growing to yourself or other around you. The scene of the accident should be determined by setting a warning triangle and the inclusion of emergency lights. If we are participants in a collision, our duty is to remove our vehicle to a safe area immediately to the side of the road so as not to obstruct traffic on other vehicles. If you happened to be in a traffic accident were a person has been stuck and injured then you must remember that we must not move vehicles, and you have a duty to ensure that you call for medical assistants as soon as possible.
Dealing with a Traffic accident in Poland
Minor Accidents and Bumps
A minor accidents or bumps refers to small or cosmetic damage such as a scratch to the paintwork of a car or a slow speed bumper to bumper crash with minor damage to either car. In this situation you do not need to call the police.
If you wish to claim compensation after an accident or if someone wishes to claim compensation from you then either insurance company’s will require:
– Vehicle data (license plate, model, color and basic details)
– Personal data driver of the vehicle
– Insurance policy number
– name and address of the insurance company with which the vehicle owner has signed a contract of insurance.
Writing a Statement
We would highly recommend preparing a statement of the events that happened even if you are not planning to make a claim. If the other party changes their mind and makes a claim against you then you’ll have a written statement of events when your memory was fresh.
An easy step of documenting the damage is once you’re in a face place to do so take pictures on your smartphone.
An accurate description of the event (eg. the street and house number, intersection)
the identity of the car (registration numbers)
Accurate driver data (name, address, Social Security, category driving license)
date, number and driving license issuing authority, policy number and the name of the insurer)
Description of vehicle damage
Indicate in the statement, who is to blame for the event. One party such admit guilt. Sometimes, not all the circumstances of the accident are obvious, so in case in a case that neither party agrees it was their fault then we would recommend calling the police)
Situational sketch of the area the incident took place, with marked lanes, traffic signs, setting the vehicles before and after the collision (note – inaccurate sketch can be used by the insurer as proof that the “perpetrator”, however, is not guilty)
The event must be notified immediately by phone insurance (required by some companies). After this phone call make a note of everything said in the phone call.
When to call the Police
As mention above sometimes it is not worth calling the police for minor bumps or damage to paint work as they can easily be solved between adults. The times you should call the police are:
– If drivers can not agree on who is to blame
– The perpetrator does not have liability insurance
– The perpetrator is drunk or shows signs of drug use.
If you were involved in a traffic accident and you admitted fault and correct traded information with the other parties involved then you don’t need to worry about compensation as it is the other parties responsibility to claim it from your insurance.
If you need to claim compensation for any injury or damage to your car then you must comply with the applicable procedure of their insurance which can be different from company to company. First of all, the damage must be reported in writing. The insurance company will require you to present the evidence regarding the damage occurs, the data on the participants of the event and the costs incurred.
To determine the size of the damage the insurer might want to come and visit your car to review the damage or injuries you claim.
You have a personal right for the matter to be dealt with in a timely fashion and have a right to compensation within 30 days of the damage. This time frame can increase for investigation and reviewing reports.