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Traffic accidents on icy roads: What to do after a collision
Ice, snow and slippery roads increase the risk of traffic accidents during the winter months. If a collision occurs despite careful driving, a structured approach is crucial according to professional associations to ensure safety and to avoid later legal or insurance-related disadvantages.
First and foremost is securing the accident scene. This includes turning on the hazard warning lights, putting on a high-visibility vest, and placing a warning triangle. Only after that do personal safety measures and the care of potential injuries follow. If people are injured, immediately call the emergency number 112. According to Auto Club Europe, the police can be brought in at the scene via the emergency medical service.
In accidents without injuries and with minor property damage, police involvement is not mandatory. In such cases the involved parties can settle the damage themselves, provided there is agreement. However, the police should always be informed if there are injuries, the property damage is high, the accident site cannot be secured safely, a dispute between the parties arises, a rental vehicle is involved, or there is suspicion of alcohol impairment.
Documentation and Data Exchange
For the subsequent damage settlement, comprehensive documentation of the accident scene is important. It is recommended to photograph the final positions of the vehicles from different perspectives and to record license plates as well as visible damages. In addition, the names and addresses of the involved parties and potential witnesses, license plates, and insurance data should be exchanged.
Experts advise against blanket admissions of guilt. Phrases that confirm sole fault or the full assumption of all damages can complicate the review by one's own insurer. Objective information about the course of the accident, however, is considered unproblematic.
For structured documentation of the incident, a European Accident Report can be used. Corresponding forms are available online from, among others, automobile clubs and insurance associations, including the German Insurance Association.
Inform the insurance company and clear the accident site
If there is the possibility of shared fault, professional associations recommend filing a precautionary claim with one's own insurer. This insurer checks the factual and legal situation and decides on the next steps. In cases of accidents where fault is clearly not yours, a claim is usually not required. In any case, it may be sensible to contact the other party's liability insurer early in order to speed up the claims settlement.
When clearing the accident scene, the rule is: For minor damages, it should be cleared as quickly as possible, provided that the preservation of evidence is complete and there is no danger to involved parties or other road users. Under wintry conditions, additional accident traces such as braking marks can also be documented. Since chalk is unsuitable on snow or mud, traces can be marked with colored items such as cloths or scarves. (Source: dpa, Auto Club Europa)
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