As a parent, it is natural to feel a mix of emotions when your teenager gets behind the wheel for the first time. On the one hand, you are proud of the independence and responsibility they are taking on. On the other, you cannot help but worry about their safety.
Now, imagine receiving a phone call from them saying they had been in a car accident. Questions race through your mind: Are they hurt? What should you do next? It is a scenario that no parent wants to face, but preparing ahead can make all the difference. Here are the steps you can take to support your teen if they ever find themselves in a car crash.
Step 1: Prioritize their medical needs
Once you receive that dreaded phone call, your first priority should be their health and safety. If you are not at the scene, stay calm and ask them if they or anyone else is injured. Encourage them to get medical attention, even if they feel fine. This is important as silent injuries such as whiplash or internal trauma can have serious consequences if left untreated. Aside from this, medical documentation is crucial in seeking insurance claims or pursuing legal action.
Step 2: Report the accident
If you have not already, remind your child to call the police right away. In both Iowa and Nebraska, the law requires you to report any accident involving injury, death or property damage exceeding $1,500. The responding officer will create an official accident report, a vital document for insurance claims and potential legal matters.
Step 3: Notify their insurance company
Advise your teen to contact their insurance company immediately once it is safe. During this call, the insurer can recommend nearby approved repair shops. These body shops often work directly with the insurance company, streamlining the estimate and repair process. Moreover, remind them to exchange insurance information with the other parties involved.
Step 4: Contact a lawyer when necessary
If your teen faces serious injuries, disputed liability or issues with insurance claims, it might be time to seek legal advice. An attorney can assist in resolving disagreements or if the insurance company offers an unfair settlement. Consulting a lawyer does not necessarily mean going to court. However, it can give you peace of mind that your child will receive the care and protection they need.
Being there for your teen
A car accident can be a traumatic experience for anyone, but especially for a young teen. Beyond handling the practical matters, remember that they also need your emotional support. Listen to their concerns, reassure them and help them process the event. Remember, your support during this time plays a critical role in rebuilding their confidence behind the wheel.