The three things you should never do with insurance if you have an accident

In the face of an accident, the normal reaction is to get nervous and not know what to do or what is the correct way to act. That is why it is convenient that, now cold, you take mental note of three things that you should never do with the insurance in case of suffering a traffic accident.

The recommendation may seem somewhat dramatic, so before continuing we will reassure you by saying that if you fall into any of these three failures, the error is not vital, but it may complicate the subsequent administrative process a bit to determine who is responsible for the claim and request compensation if applicable.

Three mistakes you should never make after suffering an accident

Traffic accidents that only involve material damage are resolved through the Friendly Accident Statement (DAA). This document should be provided to you by the insurance company at the time you take out your policy, but given that it is universal, in case of loss, damage or if you have previously used it, you can download it over the Internet.

It is very important that you always carry a friendly accident report (as the DAA is commonly known) and that all those involved stamp their signature to prevent contradictory versions from arising. Also that you avoid falling into any of these errors:

1. Leave data blank

We trust everyone’s goodwill but letting them fill out the report at another time claiming that they are in a hurry or too upset by what happened may be imprudent. It is also not convenient to sign the declaration leaving some blank space that our opponent can later fill in.

Unless there are victims, in which case their attention will be the only important one, the friendly statement must be left correctly completed at the time and place of the events. If any of those involved refuses to do so, he calls the police who will record what happened.

2. Not checking the opponent’s data

We go back to the same thing, it may sound distrustful but in reality it is, but when filling in the part it is important that you check that the data that the opponent is writing down is not correct.

What’s more, ideally, it is you who write down the name, ID number, license plate and other data of the driver with whom you suffered the accident and he does the same with yours. So that he does not sound so distrustful, anticipate the situation and give him your identification document first.

3. Do not take photos of the damage

You chose the mobile phone based on the quality of the camera, well, the time has come to take advantage of it. Once the scare of the moment has passed and it has been verified that there are no victims to attend to, it is important that you document everything that happened and, above all, what damage the cars have suffered.

The first thing is not to skimp on details when explaining on paper how the accident occurred and what consequences it had. Then take pictures of your car, of the other vehicle(s) involved, of the scene (for example, if there are brake marks on the asphalt, glass remains…). It is also important that, if there are witnesses, you ask them for their contact information so that your insurer or the other company can verify their versions.