When you get into a car crash, there are steps that you may choose to consider to find the insurance claim process started, to adhere to the legislation, and in order to help make sure everyone is secure.
As stated by the Insurance Information Institute (III), the following steps might help guide you through important decisions you need to make if you have been in a car accident, whether you have been at fault for your accident or not.
1: CHECK YOURSELF FOR INJURIES.
Call 911, if you are hurt or ask somebody else to do. Try not to move if you're seriously injured, and wait for emergency personnel.
2: CHECK ON THE WELL-BEING OF YOUR PASSENGERS.
Check on the passengers in your vehicle, if you're not too hurt to move. Get on the phone with emergency services if anybody's injured or ask a bystander to call for assistance.
3: GET TO SAFETY.
Move to the side of the street or a sidewalk, if you're able to. If your car is currently causing a hazard in which it is and is safe to drive, pull it to the side of this street. Where it is leave it and get to safety.
4: CALL 911.
Whether an accident is regarded as a minor fender-bender or even a significant collision, calling the police is important -- and in some states, it's legally required. The responding officers will fill out a crash report and document the scene. You can go to the police station and complete a report, according to the III if the police can't visit the scene of this accident. They may ask to help with the claims process when you file a claim with your insurance company.
5: WAIT FOR HELP
Switch off your engine, turn on your hazard lights and utilize the street flares in your emergency car kit to warn other vehicles to slow down.
6: EXCHANGE INFORMATION.
Swap contact and insurance information after making sure you and some passengers are uninjured. According to the III, here is the information drivers should swap after an accident:
- Complete name and contact info
- Insurance company and policy number
- Driver's license and license plate number
- Type, color, and model of vehicle
- Location of injury
The III recommends that you avoid when moving over the facts with the other 17, discussing fault. After you file an insurance claim, the adjuster reviewing your claim will determine who is at fault based on an inspection of this vehicles/property damaged, data given by you and the other parties involved in the crash, and some other supporting documentation, such as the police report or photographs in the scene.
7: DOCUMENT THE Crash.
To Be Able to help safeguard yourself, the III recommends taking the following steps:
- Identify the officers.
When the police arrive, then get the name and badge number of all responding officers.
- Get a backup.
Ask the police officers present where you can obtain a copy of the accident report. When a car insurance claim record your insurance company may request a copy of the report.
- Shoot pictures.
Document the injury thoroughly by taking pictures of your car or truck from different angles, so showing the harm done to both automobiles. It might also be a fantastic idea to take pictures of the license plate of the car. You could be able to share photos with your insurance company during the claims procedure to help support your claim.
- Take names down.
Write down the names and addresses of all parties involved, including any passengers in the other car.
- Speak with witnesses.
When there were any witnesses to the accident, take down their names and their contact info, as well.
To help keep all of this documentation in sequence, you can keep this accident information page in your vehicle.
8: NOTIFY YOUR INSURER and Begin THE CLAIMS PROCESS.
While you're in the scene you might choose to call your insurance agent. That way they could let you know just what they will need in order to process your claim and what to expect during the claims process.
After these steps might help protect you from concerns, although A collision may leave even the driver frazzled. This way, you can concentrate on working with your insurance provider to get your car repaired as easily and quickly as possible.