Auto Accident - What to do
With millions of auto accidents every year, it's important to know what to do after the initial crash. The Informed Citizen gives you basic steps to follow and ways to help speed up your claims process.
Be Well Prepared
No matter good a driver you are, car accidents can happen. The best suggestion to make the outcome as manageable as possible is to have the right coverage to suit your needs and all your registration and car insurance papers readily available. and make sure you have the right coverage to fit your needs.
Do An Injury Check
The most important thing to do, should you be involved in an accident, is to find out if everyone is all right. If someone seems confused or unresponsive, call 911. Most injuries are not visible, and the trauma can mask symptoms.
Move Everyone To Safety
Everyone in your vehicle should move off the road as soon as possible after an accident. If vehicle damage is minor try to move the car to the shoulder of the road, If there are injuries or the car is not safe to drive, let it stay where it is, even though it may be blocking traffic. If you are not sure who's at fault, Don't move he car. While you wait for the police, you and your passengers should stay a safe distance from the flow of traffic on the road.
Call Police And Insurance Agent
Even with minor damage, call the police to get a report on record. Call your insurance agent from the scene, if possible, they can explain what's needed to make a claim, this can save a lot of time going back and forth to police insurance agency.
Do not discuss fault with the other driver. Only speak to a lawyer and the police about collision. don't sign any statements or agree to pay for damages without first talking to a lawyer.
Exchange Your Info
Swap contact and insurance information with the other driver. This includes:
•Full name, address, phone number, email if available
•Name of Insurance company
•License plate number
•Type, color and model of vehicle
•Location of accident
•Full names, addresses and phone numbers of any witnesses
Used with permission of www.iii.org