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Insurance Tips: Auto Accidents At the accident scene, they might say it is my fault, I am sorry. The next day, they are saying, it is your fault and you should be sued. Everybody is very apologetic; some people are quick to do accept liability than others. They then have time to think about it. 24 hours after an accident occurs, people will change there stories totally. They will report that there insurance company claims suggest or leads at a different way and initially denies liability. So it is extremely important even though I know the accident just happened to make sure that you look around and see if anybody else saw it and you try to get names and phone numbers. Because more often than that people will stop at the scene, they will make sure everybody is okay, they will see what happen and they will. And no one knows who they are and that person’s norm is often times the key to deciding who is at fault in the accident. Call the police, often times the police will not come out because there is no one injured and the cars are drivable and that is the normal routine in many states. But if you can get the police out there, it is much to your advantage. For one thing, you are never really sure that the person who is giving this information is actually this person. You are not really sure if they have insurance coverage. When the police come, there is a whole air of credibility that occurs and security that happens because now the police have seen how the vehicles were positioned, where the skid marks were. The police, who is going to make the recommendation as to who is at fault. You want all that information, take pictures, have a camera in your car. You know, be ready to photograph not only what happened, where it happened, marks on the road, photograph the other person who is involved or people or who are involved in the accident. If they are walking around the accident scene or doing something crazy, take a picture of them. If you do not do that and you have no witnesses even though the guy might have totally been at fault, you are going to end up in a situation where you can not prove it was his fault. You will pay for his damages, you will pay for your damages and be very frustrated about it because you were not protecting yourself after the accident occurred. If you do not know how the system works, you are not going to do as well.