No car owner is insured against accidents and any road accidents. At the scene of an accident, the most important thing is to do the right thing and not miss important details. This will minimize the damage received and avoid accusations that will most likely be brought against you by any road accident participant who does not want to remain guilty.
The main factor that influences the outcome of an accident investigation is the driver's behavior after the accident. If you have not suffered much physically, you can think and stand on your feet, then you do not need to fall into apathy or trance. Do not try to flee from the scene, this will only make your situation worse, especially if you are the culprit. Try to pull yourself together regardless of the damage received or inflicted.
Much depends on the careful recording of all the circumstances. On the basis of primary testimony and initially drawn up documents, the traffic police establishes a connection between the drivers and the current situation. Do not try to change something in the accident, take all measures to fix the tracks. If another participant is trying to cover their tracks in front of your eyes, removes the debris and moves the car, then try to gently convince him that you should not do this. If the other driver still does not obey you, then pay the attention of witnesses to this fact and indicate with the help of improvised items the original location of all evidence.
Demand from the traffic police officers to indicate all the details of the incident, which, in your opinion, are important. Take seriously the drafting of the initial acts and documents. The more you write, the more chances you will receive financial compensation for the accident. Specify the damage received in detail.
Try to find witnesses who saw the actual process of the collision, and not its consequences. Promise these people to compensate for all the costs of appearing at the traffic police, write down their numbers and addresses. Save all the information as a copy, and transfer the data to the traffic police for entering into the protocol. If you are offered to take a test for alcohol, then do not refuse, but ask for an examination in a medical institution. If the second driver refuses to be examined, then make sure that this fact is recorded in the protocol.
Do not get into a skirmish with the traffic police. Anything you may disagree with can be entered into the relevant documents. Enter your comments that concern police officers in the protocol, and then appeal all actions to the higher traffic police department. When recording facts, do not use words that allow for double interpretation and ambiguity.
If possible, call an experienced friend or work colleague to help you with the minutes. It is important that he arrives before the arrival of the traffic police and acts as a witness. If you are accused of an incident, then immediately invite a lawyer who will help minimize the amount of payments and get a lighter punishment. Be sure to hire a lawyer if a criminal case is brought against you.
At the stages of the proceedings, behave honestly, do not distort the facts, because any illegal actions can cause a completely adequate reaction. If the material damage is minimal and the malfunction is easily eliminated on your own, and you are offered to compensate for everything on the spot, then you can disperse without traffic cops. If you offer money, then take a receipt from the victim that he received it.