If you've been in a car accident, then you know how scary and confusing it can be. It is easy to find yourself mixed up and unsure of the details you need to protect yourself and your passengers. Your auto insurance company will handle a lot of the logistics out of your control. To help you remain organized and focus on what you can control, the following are steps to take when you're in a car accident.
Car Accident Kit
Just in case the worst ever happens, prepare a car accident kit to keep in your glove box. Your kit can include a pen, a pad of paper, your vehicle's registration, a copy of your auto insurance card, emergency contact numbers and a disposable camera.
Stay Calm
Car accidents can happen quickly. That is why it is important to stay calm, collect your thoughts and evaluate the situation at hand. Staying calm will not only help you remember the details of the accident, but it will also help keep all parties involved focused on the accident.
Make Sure No One is Hurt
Check for injuries to yourself, your passengers and the other parties involved. Do not move any injured people; instead call 911 for medical assistance.
Call the Police
No matter how minor of an accident, call the nearest Police Station to report the incident. If the police are unable to come to the scene, make sure to exchange the following information with all parties involved including;
Name
Address
Phone number
Auto insurance company name and phone number
Driver's license number
License plate number
Year, make, model and color of car
In addition, make sure to get the names, address, phones and driver's license numbers of all witnesses.
File a Report
In the event that the police are not able to respond to your call, you'll need to go to the nearest police station and file an accident report. This report will also help your auto insurance company during the claims process.
Document the Accident
Use your disposable camera from your car accident kit to photograph the cars involved, the position of the cars and any damage done to the vehicles. If you don't have your camera available, make sure to write down detailed notes of the accident for your auto insurance company.
Know What to Say and Not Say
While at the scene, do not tell the other drivers or the police officer that you think the car accident was your fault and don't discuss the specifics of the accident with anyone other than the police officer or your auto insurance company agent. In addition, do not accept any monetary compensation from the other driver; your auto insurance agency will take care of reimbursing you for the damage.
Call Your Auto Insurance Company Immediately
As soon as you can, report the car accident to your auto insurance company. To help expedite the call, make sure to have the following information in front of you,
Date and time of the car accident
The direction and speed you and the other drivers were going
How the car accident occurred
Name and information of the parties and witnesses involved
If anyone was injured in the car accident
Where and what damage was done to your car
Name of Police officer who took the report
Know What Your Car Insurance Policy Covers
Make sure you know what your insurance policy covers – whether Comprehensive or Third Party.
