If you have been involved in an auto accident, the first thing to do is find out if someone is hurt. Call 911 if anyone is injured. After dealing with that aspect, the next thing to focus on is if you are protected by insurance.
In a car accident, remember these rules:
- Make sure to stop your car in a collision because it is your legal responsibility to do so. You need to stop even if you think no one is hurt and nothing is damaged.
- Do not take the blame for the accident right then and there. This is what is stated in your car insurance contract. It generally will indicate that in this situations, do not take liability and responsibility.
So, what exactly what do you need to do at an auto accident scene?
Find out how serious the injuries and damages are. Ask for immediate medical assistance if someone needs urgent care and attention. Also, do not move your vehicle; wait for the police to respond to the scene first. If you haven’t already, turn on your car’s hazard lights.
If it is unsafe, get out of your car and wait for the local authorities. The presence of police in the scene is important, as they are the ones who will make the accident report.
Limit what you say to other people. It is not advisable to discuss the accident with a third party. This will help avoid admitting liability or fault. Talk about the incident to the medical health providers, the police, and your insurer.
Gather important facts. It is normal to feel stressed immediately after the incident. But, it would be beneficial to you if you collect some personal details of everyone involved.
Get their names, phone numbers, email addresses, physical addresses, license plate numbers, car descriptions, their VIN, and their insurance companies.
Call your insurance company and file a claim. It is better to call your insurance company at the scene, if that is possible. The police at the scene may be able to provide accurate details about the accident.
Your insurance agent can help walk you through the process of filing a claim. Check the Internet if your insurance company has a website or app, wherein you can fill in your form and follow up the status.
In a car accident, you have no idea who you are dealing with. You also don’t know if they have insurance. But, you can protect yourself with the right auto insurance, and stick to the facts.
At Filer Insurance, Inc., we aim to provide comprehensive insurance policies that makes your life easier. You can get more information about our products and services by calling our agency at (305) 270-2100. Get your free quote today by CLICKING HERE.