It is often difficult for a Rhode Island resident to know what to do after being in a car accident that was the other driver's fault. Dealing with insurance companies can be very frustrating, and the other driver's insurance company may try to deny a claim in order to try to avoid paying for damages.
People are advised to handle an accident by taking some basic steps. They should get the other driver's name, address and insurance policy number. If they have a smartphone, they should take pictures of the vehicles and the accident scene. People should also get contact information of any witnesses and try to get statements from each of them. They should relay the facts of what happened to the responding police officers as well.
Following an accident, people should get examined by their doctors, even if they initially do not think they have been hurt. Some injuries do not show up for a day or longer after an accident. They should also notify both their own insurance company as well as the other driver's insurance company about the accident. When doing so, they should tell the companies exactly what happened and provide the contact information of any witnesses. The insurance companies will obtain copies of any written police reports to review, and they will then make a determination regarding fault.
Being in a motor vehicle accident that is caused by the negligence of another driver can be very traumatic. In many cases, people find it helpful to seek the assistance of legal counsel, especially if they were injured in the collision. It may be advisable to file a personal injury lawsuit if negotiations with the responsible driver's insurance company are unsatisfactory.