After a car crash, things can seem confusing and go from 0-60 in no time at all. However, below, you’ll find some simple-to-follow steps you can take to file your claim.
First things first, if someone in the vehicle or the other car involved is injured, dial 911. You can worry about the insurance aspect once the injured parties have be attended to and receive care.
Remain calm and remove yourself for traffic. You may feel like freaking out, but it’s important that you keep your self as calm as possible.
If you’re involved in a minor fender-bender, you can simply exchange insurance information with the other driver; no need to call 911 if no injuries or severe damages are present.
Always Be Prepared
An accident is stressful enough without adding to it by not being prepared for such occurrences. You can save a lot of time and ciaos by keeping your insurance card in your car; also keep a pad and pen for jotting-down numbers and names. When you have these items handy, you not only save time but money in the long run; gas and time taken off work to collect the items needed for filing the insurance claim.
It’s also a great idea to always have your cellphone on your person; you can call the police and also take pictures of your vehicle and the accident location.
Minor Accident? Move Your Car!
If you’re involved in a minor vehicle accident, you’ll want to move your car to a safer location; off the road or in a parking lot. This ensures that you’re car is out of the traffic and that you’re safe from moving vehicles while exchanging information and insurance cards.
Don’t Say Too Much!
The only reason you need to speak to the other party involved in the car accident is to exchange info. Do not discuss what happened or claim fault for anything until the police get their, or in minor accidents, when your insurance company contacts you. You don’t even want to apologize as this can suggest fault. Simply ask if they’re okay and exchange your details; nothing more.
•Items to jot-down (other driver info) if you’re involved in a car accident:
•Name, address, and phone number
•Make, year and model of the other car
•Plate number from the other car
•Insurance information (name, number)
•Policy number of the other driver
Make sure that if you have your cellphone with a camera, you take pictures of the entire car, front to back. Pay close attention to the damage and get pictures of the other driver’s car as well.
Following these simple steps can save you a lot of time and money and headaches. Drive Safe!