A car accident is always an exceptional situation—whether it’s a minor dent or a more serious collision. In such moments, it’s important to stay calm and act systematically. These five steps help you stay on track and secure your claims.
1. Secure the accident site & assist the injured
Immediately turn on the hazard lights, set up the warning triangle, and put on a safety vest. Provide first aid to the injured and, if in doubt, call the police and emergency services.
2. Inform the police (if necessary)
In case of personal injuries, disputes, or unclear fault, you should always call the police. This ensures an official accident report, which is helpful later for claims settlement.
3. Document the accident
Take photos of the accident scene, the vehicles involved, license plates, damages, and surroundings. Note down names, addresses, and insurance details of all parties involved, as well as any witnesses.
4. Hire a vehicle expert
Contact an independent vehicle expert to get a professional damage assessment. The report forms the basis for your compensation claims – especially against the opposing insurance.
5. Report the damage to your insurance company.
Inform your own insurance about the accident as soon as possible – even if you are not at fault. In case of a no-fault accident, the other party’s insurance usually covers the costs.
