When you have a car accident, there are certain steps you may want to take to ensure that everyone is safe, to comply with the law and to get the insurance claim process started.
The following steps can help guide you through important decisions you must make if you have been in a car accident, whether you were responsible for the accident or not.
- First of all, you want to check yourself and passengers for injuries and call 911 for immediate help. If you can not call for help, ask a spectator for help. If there are no injuries, you still need to call the police to report the accident.
- Come to safety! If you can, move to the side of the road or a sidewalk. If your car is safe to drive and causes danger where it is, pull it to the side of the road. Otherwise you leave it where it is and put yourself in safety.
- After ensuring that you and any passengers are unharmed, exchange contact and insurance information with the other driver. According to the Insurance Information Institute (III), here is the most important information that drivers should exchange after an accident:
- Full name and contact details
- Insurance company and insurance number
- Driver̵7;s license and registration number
- Type, color and model of vehicle
- Place of the accident
- III recommends that you avoid discussing errors when reviewing facts with the other driver. When you file an insurance claim, the adjuster who reviews your claim will determine who is at fault based on an inspection of the damaged vehicles / property, information provided by you and the other parties involved in the accident, and any supporting documentation, such as a police report. or photographs from the site.
- Document the accident to protect yourself. III recommends that you take the following steps ”
- Identify the officers.
When the police arrive, you will receive the name and brand number of all responding police officers.
- Get a copy.
Ask the police present where you can get a copy of the accident report. Your insurer may request a copy of the report when you file a car insurance claim.
- Take pictures.
Document the accident carefully by taking pictures of your vehicle from different angles and showing the damage to both cars. It can also be good to take pictures of the other car’s license plate. You may be able to share photos with your insurer during the claims process to support your claim.
- Take down names.
Write down the names and addresses of all parties involved, including any passengers in the other vehicle.
- Talk to witnesses.
If there were any witnesses to the accident, also take down their names and their contact information.
- Identify the officers.
- Contact CoverLink Insurance, which you may want to do while you’re still on site. This way we can tell you exactly what we need to process your claim and what we can expect during the claim process.
Do you know what to do if you have a car accident? Follow these tips! Not insured? Call us at 937-592-9076.
♬ Life is a Highway – Rascal Flatts
An accident can make even the most experienced driver catch a cold, but following these steps can help protect you from unnecessary worries. This way, you can focus on working with us to get your vehicle repaired as smoothly and as quickly as possible.