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22
June
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Car accidents happen, and they can be very stressful and scary. No one expects for it to happen to them, but as they say “accidents happen”. Being prepared and knowing what to do after one happens can help the aftermath run a little more smoothly. In the heat of the moment, there are a lot of things to be thinking of: the safety of yourself and those around you, the state of your vehicle, the other things going on in your life, along with other things. Below is a description of the steps you should take after getting into a car accident.

Assess the situation

First, make sure that you and any passengers are okay. You should plan on visiting a health care professional unless you are absolutely certain that you have not been injured. Next, check on the others person(s) involved in the accident. Are they okay? Do they need medical attention? After that, assess the damage. If the accident is minor and you can safely move your car out of traffic’s way, do so. This should only be done for very minor accidents. Usually, staying where you are is the best choice. Take pictures of the damages, this can be helpful later.

Call the police

Whether or not you or someone else needs medical attention, still call your local authorities. You will want to file a police report, this is often required when making a claim with your insurance. Don’t give all of the details on the phone, just let them know there was an accident, tell them how serious it is and where you are. Details will be taken when they ask you for a statement. You will need to give them a full description, here is an explanation of the most common types of accidents to help you.

 Exchange Information

You will need to exchange some information with the other party involved in the accident. Get their name, address, phone number and insurance information (i.e. company name and policy number). But don’t talk more than you absolutely have to. You should not admit any liability or fault of the accident directly to them. Keep the discussion to the police and any other authorities as well as your insurance provider.

Call your people

Call your emergency contact and the other important people that will need to know you have been in an accident. This is especially crucial if you know that you or one of your passengers will be seeking medical attention. For example, if you are on your way to work, call your employer to let them know you will be delayed.

Contact your insurance provider

You should contact your insurance provider sooner rather than later. Calling them from the scene can help them get additional information from the police, especially if you don’t know much about cars. Your representative will help walk you through how you will file a claim with your insurance company.

 

This is a guest post contributed by InPro Insurance Group, an insurance firm based out of Troy, MI. InPro Insurance can help you with all your auto insurance needs. 

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