One way in which HR can serve employees is by providing them with guidance on using their insurance benefits most effectively. For companies that offer auto insurance packages or discounts, this means instructing policyholders on what to do following an accident or a fender-bender, maximizing the success of a potential claim.
For those who are involved in accidents, one of the best ways to strengthen a claim is to take clear and accurate photos at the scene of the accident. Obviously, this assumes little to no injury. Safety always comes first, and the top priority should always be getting the right medical care for anyone who was hurt.
With that said, it’s always best to take a few cellphone photos of the accident scene whenever possible, including the damaged areas of both vehicles, plus the general surroundings (e.g., signs, medians, fences, anything else that might indicate the severity of the collision).
What follows are a few general guidelines for taking good, clear photos.
How to Take Accurate Photos at an Accident Scene
- Capture the full scene. If you’re able to do so safely, make sure you get some images that capture the positions of both cars, as well as the conditions of the road where the accident took place.
- Get the details. Try to capture as much detail as possible before any tow trucks come, including things like deployed airbags, scratches, dents, fluid leaks, and damaged tires.
- Seek different angles. Get some up-close shots of the damage to your vehicle, then step back for a wider view. Always take time to ensure your images are clear, not blurry, before you move on.
- Look beyond the vehicles. There may be some crucial evidence beyond the vehicles themselves, such as skid marks, road debris, or signs of hazardous weather. Capture these details in your photographs whenever possible.
- Photograph the other driver’s info. Rather than writing down the other motorist’s driver’s license number and insurance info, why not just request to take snapshots of their respective cards, ensuring accuracy and clarity? Also try to photograph IDs of witnesses, should you need to contact them later in the claims process.
- Document your injuries. Finally, if you have any scrapes or bruises, take some images of them. This can be a great way to preserve evidence of your injuries before they begin to heal up.
Accident Scene Photography is Crucial
Consider all the ways to empower your employees in benefits utilization, even when it comes to auto policies. With questions, don’t hesitate to contact FullHR directly.