Car accidents can happen in the blink of an eye and can ruin anyone’s day. From serious injuries to an undrivable vehicle, your car insurance policy is designed to protect you from the financial consequences of a car accident, but you could still be held liable for paying medical bills or car repairs. To protect yourself physically and money-wise, it’s important to take the right steps after a collision.
Check for Injuries
After a car accident happens, the first thing you will want to do is check for any injuries to both you and the involved parties. Keep in mind that not all injuries are noticeable so if someone seems out of it, always call 9-1-1 to be safe.
Notify the Police
Involving the authorities after a collision will help keep everything in order. Depending on the seriousness of the accident, the authorities will either come to the scene to fill out an accident report or simply tell you to go to the closest police station to file an accident report.
When completing the report, be sure to be as accurate and detailed as possible. Always keep a copy of the report for your records in case you need it in the future.
Document the Accident
After an accident, you will want to document the accident as soon as possible. Take pictures of the individuals involved, the vehicles involved, and the area in which the accident took place. If you believe there was a factor that contributed to the accident, make sure to photograph that as well. Make note of where the accident happened, time of day, the weather at the time of the collision, the direction and speed in which you were going, and the speed limit in the area.
No matter how minor the accident is, always exchange information with the other party involved. At the very minimum you should be a name, address, and phone number of the other party, as well as their car insurance company and the phone number, make and model of their car, and license plate number.
If there are any witnesses of the accident, write down their names and phone numbers as well.
Contact Your Car Insurance Company
If you’re able to, call your car insurance company while you are still at the accident scene. Your representative will inform you of the next steps and what you’ll need in order to file a claim. They will also inform you of things you will want to avoid, including admitting guilt or signing any papers that are not reviewed by your insurance representative first.
To learn more about the car insurance policies we offer at John J Walsh Insurance Agency, contact our team today!