Car accidents are an everyday occurrence on South African roads, but throw in end-of-year stress and holiday mode, and the roads are a scary place to find yourself on.
The Dialdirect Namola app wants to ensure that, should the worst happen this holiday season, that you know what to do. Read the following super simple tips on what to do if you find yourself in a car accident:
Stop and get help. Stop, switch on your hazards to warn other vehicles and climb out of your car if it is safe to do so. You are required by law to stop your vehicle if you are involved in an accident and commuters and pedestrians are injured or killed or property is damaged. Failing to stop is considered a criminal offence. You can use your Dialdirect Namola app should you need the police or an ambulance. If you are a Dialdirect Insurance customer, you can also make use of their Tow Truck Direct benefit.
Clear the road. Move any cars that are obstructing the flow of traffic, but be sure to mark their position on the road first with chalk or spray paint if available, or to photograph the scene before the cars are moved. If a person or animal has been injured in the accident do not interfere with the evidence or move any vehicles unless those vehicles are obstructing the traffic completely.
Assess the damage. According to Dialdirect Insurance, you should take photos of the accident from as many different angles as possible. Take close-up photos of any damage to your car and any other cars involved. This will assist your insurance provider when it comes to claiming.
Questions and answers. You will need the following information from all other drivers involved in the accident as well as from people who witnessed the accident:
– Full names and surnames
– ID numbers
– Phone numbers (try and get two different numbers here)
– Physical addresses
– E-mail addresses
– Vehicle registration
– Description of the vehicles (make, model and colour)
– Names and contact details of the police officials, paramedics and tow truck drivers
– Your location: street name and suburb ( if you do not know this you can also request assistance through the Dialdirect Namola app)
– The time of the accident
– Road conditions and visibility
Take notes. Take note of what happened immediately before and after the accident. For example, was the other driver drunk, talking on their cell, or driving too fast? You need this information if you want to submit a claim to your insurance company or the Road Accident Fund, or if you want to claim the cost of the repairs to your car from other drivers.
Report the accident to the police. Report the accident to the police within 24 hours. If you are injured or in the hospital and cannot report the incident within 24 hours, do so as soon as you possibly can and explain why your report is delayed. It is an offence not to report an accident in which another person has been injured or in which someone else’s property has been damaged, even if neither of the parties intends taking legal action.
Report the accident to your insurance company. Report the accident to your insurance company even if you don’t intend submitting a claim to them. This is important because if you caused the accident, another party involved in the accident may wish to make a claim against your policy.
Don’t admit liability for the accident. Even if you think that you may have caused it.
Don’t allow your vehicle to be towed by unknown companies. If you don’t have tow cover with your insurance company, ask the tow truck driver for a quote before your vehicle is towed away. Write down the name, contact details and vehicle registration number of the tow truck driver and find out where your car is being taken.
For that extra peace-of-mind download the Dialdirect Namola app.
Dialdirect is an authorised FSP