Almost 300 vehicles crash into each other on Philippine streets each day. According to the most recent edition of the MMDA’s Metro Manila Accident Recording and Analysis System (MMRAS), there were 109,322 road collisions recorded in 2016 alone. Among these collisions, 108,307 out of 210,542 (51.44%) of the vehicles involved were cars. As a driver, there’s always a chance that you’ll become one of these statistics—which is why you should know what to do in the event of a car-to-car collision. Here are the first five steps you should never forget to take:
1. Never drive away from an accident.
Regardless of the type of accident, resorting to a Hit and Run helps no one. Avoid immediately driving over to the side of the road as well; the positions of the vehicles at the time of the accident will help in creating an accurate record of the incident.
2. Ensure everyone’s safe—and that includes other drivers.
Check on your passengers, and be ready to call for medical assistance, if necessary. Check in on the driver and passengers of the other car as well, and be ready to assist them as needed. Exchanging contact information is a good idea, too. Since you’re probably obstructing the road at this point, set up a barrier or turn on your blinker to warn other drivers. It might help to have someone else assist you in waving away incoming vehicles.
3. Call the authorities.
Once everything’s settled, you’ll want a police officer or traffic enforcer to make a record of the incident. They should also be able to assist you with very minor legal advice.
4. Take pictures.
The accuracy of the record is crucial for any legal or insurance claims, so take as many photos of the accident as you can, from multiple angles. Make sure you get both “big picture” shots the show the scene as is, as well as detail shots of any damages to your car.
5. Contact your insurance provider.
Inform your insurance provider about the incident, and discuss ways your policy can minimize any necessary repair costs. The sooner you contact them, the more accurate your record of the incident will be. Ask them about any additional forms they require, such as police reports, to process your claims.
It's easy to discount the benefits of having auto insurance—but once you get involved in an accident, you'd wish that your car is insured. The fact that car-to-car collisions are not uncommon in the country is enough of a reason for you to get auto insurance. Paramount Life & General Insurance Corporation offers Car-to-Car Collision Coverage (C2C)—the first policy in the Philippines to provide protection for your vehicle against physical damage in the event of a car collision. The coverage answers all your immediate safety needs, including protection against own damage, excess bodily injury, and property damage, while also covering for auto passengers and roadside assistance.
One of the reasons why C2C is a good alternative for comprehensive insurance is because you’re just paying for the coverage you need; simply put, it’s more affordable and practical. You may get full protection which covers windshield damage, fender benders, dents, or even totally wrecked cars. For as long as the accident is due to car-to-car collision, C2C insurance can get you covered.
You deserve worry-free protection, with an insurance company that is legal and trustworthy. Paramount Life and General Insurance Corporation is accredited by the Land Transportation Office (LTO) and the Insurance Commission. It guarantees that you can purchase your car insurance at the right place with no hassle and worries. To get started, simply visit www.autosecure.ph. Make sure you’ve already got Compulsory Third Party Liability (CTPL) car insurance, which is the bar minimum coverage required to register your car with the LTO. You can apply for CTPL at www.ctpl.ph.
For more information about Paramount Life & General Insurance Corporation, follow them on Facebook and Instagram, or visit this website. You may also reach through these contact numbers: (02) 772-0264, 0917-558-3969, and 0998-842-1957 from Monday to Friday, from 8:00 AM to 5:00 PM.