What You Need to Know About Multi-Car Accidents

A multi-car accident is, by definition, a collision involving three or more vehicles. At MBS Insurance Brokers Ltd. we understand how stressful multiple vehicle pileups can be. If you're ever involved in a multi-car accident, you'll be glad to have customized auto insurance in Edmonton from trusted insurance brokers to help you deal with the aftermath.

Multi-car accidents often occur when drivers lose control in slippery conditions or when they don't slow down for road hazards. Such accidents are more likely than single- and two-vehicle collisions to result in serious injuries and damages which may lead to debilitating expenses.

Immediate Steps after You’ve Been Involved in a Multi-Car Accident

Immediately following a multi-car collision, make sure that you and your passengers are okay. If it is safe to stay in your vehicle, then resist the urge to get out right away, as the accident may not be over yet. When the paramedics arrive, get yourself checked out for any injuries. Then, you should try to document as much of the accident as possible. Write down what you remember and take pictures of the scene.

Report the accident to your insurer as soon as you are able. You will be directed on how to make a claim and on how to submit the information you have collected. An adjuster will be assigned to your case in order to assess any damage and provide you with information on what steps to take next. You may be given suggestions as to which body shop to take your vehicle to for repairs and which medical specialists to follow up with if you have sustained injuries.

Determining Fault in a Multi-Car Accident

It may take some time for an Edmonton car insurance provider to determine fault and liability in a multi-car accident, especially if there are numerous vehicles involved. If one vehicle rear-ended multiple stopped vehicles, then that vehicle will be 100% at fault. However, fault determination can become trickier if some or all of the cars were in motion at the time of the accident. In such cases, your insurance company will use the province's fault determination rules to assign liability.

If you are found to be at fault, then, depending on the type of policy you have, your insurance premiums will likely increase. Whether you are found to be at fault or not, working with experienced Edmonton auto insurance brokers who have your best interest in mind can make all of the difference.

Car Insurance in Edmonton to Suit Your Needs

You should never be without an Edmonton auto insurance policy that will be able to meet all of your needs in the event that you are involved in a multi-car accident. At MBS Insurance Brokers Ltd. we give you the ability to choose between a variety of different car insurance plans, ensuring that you get exactly the sort of coverage you want. We'll also help you determine if you are eligible for discounts on car insurance in Edmonton.

If you have any questions, or if you would like a free car insurance quote, then just contact MBS Insurance Brokers Ltd. today.