Recently ICBC set out the following top 5 things to do after a car crash (source: ICBC’s website – click here to review it). What follows are our comments on ICBC’s top 5 things to do.
1. Stop at the scene: If it’s safe to do so and you aren’t injured, pull over to the side of the road so you don’t block traffic and can safely exchange information with the other parties. If you can’t get to a safe area to get out of your vehicle, then stay in it until assistance arrives.
2. Call 911: Your personal safety and well-being is most important. If you or others are seriously injured call 911.
3. Summarize the scenario: ICBC’s new claims cards, available at any Autoplan broker or ICBC Claim Centre, will remind you of the important information you’ll need to record at the scene, such as the date, time and location of the crash, the contact information of others involved, their vehicle’s make, model and licence plate number and insurance policy information. The card also allows you to sketch the crash scenario including the directions of travel and any nearby road signs or traffic lights. [You can get a copy of ICBC's new claim card here.]
4. Gather additional information: Make sure you get contact information for any witnesses. Pictures can be more powerful than words. If you have a cell phone camera or a disposable camera in your glove box, take photos of the crash scene and the damage done to vehicle(s) or property.
5. Call Dial-A-Claim: Call ICBC’s Dial-A-Claim. In the Lower Mainland call 604-520-8222; elsewhere in B.C. or outside call 1-800-910-4222. ICBC recommends you try and report the crash as soon as you can. The claims representative will capture the details of the crash and tell you if you need to visit a claim centre or an autobody repair shop. If you’ve been injured, your wellbeing is the most important thing – you can ask a friend or family member to report the incident on your behalf. Once the claim has been reported, you can contact us later, when you’ve recovered.
I have three comments about ICBC’s top 5 things to do after a car crash.
First, if you have even the slightest discomfort, see a doctor before doing anything else.
Second, you have the right to see a lawyer before you make your claim to ICBC. Yes, it’s a good idea to make a claim shortly after the accident; however, you have the right to see a lawyer before you do and a week or two delay will not compromise your claim.
Third, if a friend or family member reports your claim via Dial-A-Claim, ensure that whoever reports the claim says they are a friend or family member. The reason for this is if the initial report is inaccurate, you can explain why.
I have four comments about the ICBC Claims Card.
First, if you’re hurting and filling out the ICBC Claims Card causes you discomfort, let the authorities collect the information. You just focus on not aggravating your injuries and getting medical help.
Second, if you’re capable of completing the card, don’t restrict your comments to the spaces provided. Write on the back side or another piece of paper.
Third, if the police show up, discuss your notes of how the crash happened with the police officer(s). If your report differs from the police report, then there’s a difficult discrepancy to solve.
Fourth, if you’re injured, when able to do so, note down your injuries or have someone do it for you. Be sure to be thorough and descriptive when reporting your injuries, pain, and discomfort to all medical persons who treat you.
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