Hopefully you may never be concerned in an automobile accident or need to file an insurance claim. Even the most careful and skilled drivers, however, can simply end up in the middle of a crash. Would you know what to do? Awareness of what to do after the automobile accident can help make the insurance claims process simpler and smoother so that you are back on the road faster.
If you are in a car accident:
1. Attempt to stay calm, stop your vehicle and check for injuries. The life and health of you, your passengers and the other people involved in the accident is much more critical than the automobile itself.
2. If required, call the police and tell them of the accident, your location, how many people are involved, whether there are wounds and the sorts of wounds.
3. You may wish to take reasonable steps to protect yourself, and your vehicle, from further damage. If possible and if legal, move the autos to the side of the road and turn on your hazards as quickly as it is safe. If you have flares, you may need to use them to alert oncoming traffic and to stop extra crashes.
4. Taking heaps of notes is a good practice, like:
• the date, time and location of the accident
• how the accident took place – occasionally a drawing is worth a thousand words and can help enhance what you’ve noted
• the type and location of damage to your automobile
the type and location of damage to the other cars or property involved
• the names, addresses and contact information of all drivers and passengers involved in the accident
driver’s license numbers and all the information on the licenses
insurance identifications including the name of the insurer and policy number
• the names, addresses and contact information of witnesses
the names and badge numbers of police officers or other first response personnel
(Being able to take notes is vital so keep a pen and pad in your glove box, in case.)
5. You may want to ask the police officer when and where you can get a copy of the accident report. There’s a good chance you’ll need it when you submit your insurance claim to your insurer.
6. It’s usually a good idea to call your insurance company right away and report the accident because the sooner they know about the crash the quicker they can start working to resolve your insurance claim. As well, they’ll be able to explain the next steps, like where to have the car towed if necessary and arrange for an adjuster to come out and appraise the damage before any repair work is done.
7. There are a couple of don’ts you might want to consider like don’t discuss the financial limits of your auto insurance policy and avoid discussing the responsibility for the accident or circumstances of the accident with anyone other than the police or a representative of your insurance company.
Auto accidents take a significant toll on everyone involved. But, if you stay calm, make safety your priority and follow the above tips, you will get through the ordeal of being in an accident and submitting an insurance claim.
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