3. When an accident happens, what should a driver do or not to do? In case the driver is being sued by the victims, should the driver appoint a lawyer for defence before informing the insurance company?

The driver should immediately contact the traffic police so that the accident can be officially recorded. The official record might be needed as evidence in any subsequent insurance claims and legal proceedings. The driver should not settle or agree to any matter on his/her own with any of the other parties involved.

The driver should also inform his or her insurance company (within the time span specified in the insurance policy) and agree on how to proceed. Where the insurance company is prepared to admit the claim, the insurance company will take over the case and instruct its own legal adviser on proceeding with the defence.