What to Do if You Get Into a Car Accident
Car accidents can be stressful and overwhelming. It is crucial to know what to do immediately after an accident, whether it’s a minor fender bender or a more severe collision.
Ensure Safety First
Safety should be your top priority. If no one seems injured, move your vehicle away from traffic if possible. If no injuries are present and you are in heavy traffic, leaving the vehicles where they are may be appropriate until the authorities arrive. Call for emergency medical assistance if anyone is injured.
Contact the Authorities
Report the accident to the police. If no one is injured, call the nonemergency number to inform them about the incident and request that an officer come to the scene. While waiting for the authorities, avoid discussing fault or admitting guilt with the other party involved.
When questioned about the incident’s circumstances, stick to the facts and let the insurance companies and legal professionals determine liability.
Document the Accident
Gathering accurate information about the accident is essential for insurance purposes. Take photos of the scene, including the vehicles, damages, and contributing factors such as traffic signs or weather conditions.
Record the names, contact information and insurance details of all parties involved, including witnesses present. This documentation will assist you during the claims process.
It may be best to wait until the police arrive to exchange information. Use your judgment when communicating directly with the other involved parties.
Share your name, address, phone number and insurance details. Record the vehicles’ make, model and license plate number. If there are witnesses, collect their contact information as well. This information may be helpful for insurance companies and law enforcement.
Notify Your Insurance Company
Report the accident to your insurance company promptly to help avoid delays or denial of your claim. Provide them with the necessary details. It’s okay to discuss the circumstances around the accident with your insurer, including information about who may have been at fault.
After reporting the accident to your insurance company, they will help you start the claims process. Follow their instructions and provide any necessary documentation promptly. This may include completing claim forms, submitting photos and providing medical records. Keep copies of documents for your records.
Seek Medical Attention
Although you may not feel accident-related injuries immediately after the incident, seeking medical attention immediately is crucial if you suspect you were injured in the accident. Delaying treatment could worsen your condition.
Keep all medical records and receipts, which will be essential for your insurance claim.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.