Motor vehicle accidents can happen to anyone. With quality motor insurance and the right steps, you’ll be able to get the help you need through the accident and through the claim process.
No matter how careful you are while driving your vehicle, a car accident can occur. Motor insurance is there to help you to overcome these losses. Yet, what you do when a car accident happens, is very important. It’s always important to drive safely and to avoid any risks possible. When an accident does happen, stop and take a deep breath. Then, consider a few key tips to help you through this process.
Never Say It Was Your Fault
Before you get out of your car, remember to never tell anyone in the car or others involved in the accident that you made a mistake. Often times, you do not have all of the information on hand to make that decision. It is best to allow the police officer who responds to your accident to make the decision about who is at fault. Later, this will help protect you from lawsuits.
What To Do
When an accident occurs, move the vehicles to the side of the road if you are obstructing traffic or if it is dangerous. If this is not possible, that’s okay. Call the police immediately. You also need to assess the situation to determine if anyone is hurt and ensure those people get immediate medical care if they need it. Then, consider the following.
- After calling the police, ask the other driver for his or her insurance information. Copy all of that person’s information and share your own. This should include their name, address, phone and insurance company information (name, address, phone, policy number, and other information.)
- File a police report. Even if the damage is minimal, this works as proof of what occurred.
- Remain calm. Don’t fight or argue with the other driver.
- Keep your emergency lights on and flashing to alert other drivers.
- Stay out of the road and traffic. Don’t stand in the street.
- Take photographs of the accident. This includes photos of your vehicle, the road conditions, the other vehicle, any property damaged, and anyone involved.
- Gather information about the other car, such as the make and model number.
With this information in hand, and after you are safe, call your insurance company. Your insurance company will provide you with very specific steps to take to file a claim. This is often done only after the accident report is filed and available. Your insurance company will tell you how and where to tow the vehicle, if needed, and how to handle any claims from the other driver against your policy.
Don’t worry. If you have a quality motor insurance plan, most types of accidents will be covered. If you need a new insurance plan, request a quote today and find out how to make sure your car, your assets, and your finances are protected in the event of an accident.