Home / Articles / Car Insurance / Top 5 Do's and Don'ts in Road Accidents
Team AckoMay 17, 2022
An accident is a grave situation to be in irrespective of it being minor or major. It is estimated that in India, 55 road accidents occur every 60 minutes. We live in a country with such high frequency of accidents. Thus, it is necessary to have the basic knowledge of what exactly is to be done and what is to be avoided when involved in a road accident.
Contents
Even if the accident is not serious, never (and we cannot emphasize enough, NEVER) flee from an accident scene you are involved in. The worst is, you are abandoning casualties which can be saved. Also, if your run, you are bound to be charged with Hit and Run. This could result in imprisonment.
Yes, this is a serious situation. However, you can help others only if you try to stay calm and think straight.
Don’t Remove Stabbed Object: Removing it will only worsen the bleeding. The object is the only thing obstructing the blood flow. It is best to leave this job to a medical professional.
Don’t Try to Move an Injured Person’s Neck: In case of a serious accident, you may detect a spinal injury by looking at the neck of a person. If it is at an unnatural angle, do not try to move that person.
Don’t Feed Food or Liquids To The Injured: As it would be hard to determine the extent of injuries a person has suffered, it is best not to feed a person on the accident spot. They could choke or would be unable to chew food due to injuries to the jaw.
You might have suffered injuries and damages due to the accident. However, blaming the other person will only add to the panic already caused by the accident.
If the accident was evidently not your fault, the third party may offer low cost settlements. This does not serve the purpose of car insurance. Never accept verbal-on-the-spot settlements.
Also, read: Electric Car Insurance
As soon as you feel okay, try to check yourself for more injuries. Some injuries would not necessarily bleed, try to move your arms and legs to find injured spots.
If you notice a bleeding wound, try to obstruct the blood flow by tying a cloth an inch above the open wound. Pressing a piece of cloth directly on top of the wound will also help. Use your palm instead of fingers to apply pressure.
If you see more people are injured in an accident, the first thing you could do is shout the word “help” multiple times. Locals would be the first to attend an accident spot.
The first should be for medical help. The second call is to the police, to report the accident, and the third is to the insurance helpline.
Once you are sure that no one needs immediate medical attention, start taking pictures of the scene. These will be helpful for later, like in a police case and insurance claim.
Also, read: Vehicle Scrappage Policy in India
The Bottom Line
Accidents are not a pretty sight, but once you are involved in one, the aim should be to provide help. Who’s fault was it? This will matter later. The insurance company will do its best to provide the cost of treating injuries and damages caused to other people affected by the accident i.e. third-party. A comprehensive insurance policy will take care of your expenses. Your job is to drive safely and avoid accidents. Generally, Third-party insurance policy is often bundled with a Personal Accident (PA) cover. PA cover for owner driver is mandatory and is available at a nominal fee. So, the insurance company would pay a fixed amount as compensation if you get injured in an accident.
Want to post any comments?
93% Acko users save atleast ₹1,200 on car insurance
Car insurance starting ₹2,072*
You already have an Acko policy
Login to access your policy for this car
Recent
Articles
Can You Have Two Insurance Policies on the Same Car?
Team Acko May 20, 2022
Is a PUC certificate mandatory for vehicle insurance?
Team Acko May 13, 2022
Importance of cooling-off period in health insurance
Team Acko May 10, 2022
Understanding dental insurance in India: Cover, benefits, and claims
Team Acko May 6, 2022
Does health insurance cover brain surgery?
Team Acko May 6, 2022
All Articles
ACKO General Insurance Limited
2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main road, Sector 2, HSR Layout, Bengaluru, Karnataka - 560102
We’re socially active!
Download our app
Company
Support
CIN: U66000KA2016PLC138288
IRDAI Registration No: 157
Category: Non-Life Insurance
The use of images and brands are only for the purpose of indication and illustration. ACKO claims no rights on the IP rights of any third parties. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. | *Savings of upto Rs. 50,000 have been calculated on the IDV of Rs. 18,00,000 and 0% NCB. Amount saved is in comparison to tariff rates. Product name: Private Car Policy - Bundled | UIN: IRDAN157RP0014V01201819 |
Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale.