If you get into a car accident, do you know what to do? You may not want to think about the unfortunate event of getting in a crash. However, since there are millions of drivers in the US, there’s a chance you’ll be in at least a minor fender bender and some point. If and when you get into an accident, it’s important to be prepared. You should know all the steps to take to decrease some of the stress of dealing with the insurance company and keeping yourself and your loved ones safe after a collision.
When dealing with the aftermath of a car accident, try to stay as calm as possible. Of course, this is easier said than done, especially if you’re in a serious crash. If you can, take a moment to breathe so you can focus on tasks you need to accomplish.
Check for Damage and Injuries
Immediately after the accident, check for any injuries you or any other passengers have sustained. Call an ambulance if necessary. If you have to receive medical care, be sure to keep all documentation pertaining to the cost of your treatments or medications.
If possible, move your automobile to the shoulder of the road or to a safe spot so you’ll be out of the way of oncoming traffic. Turn the vehicle off and turn your hazard lights on. Check your car to assess the damage and call a tow truck if your car is too damaged to drive.
It is also important to note that severe weather can lead to car accidents in some cases. If you live in a state that gets heavy snow, make sure you have an emergency plan in place to deal with a car accident.
Contact the Police and Get an Accident Report
While you’re still at the scene of the accident, call the police so you can receive an accident report. If you live in New York, an accident report NY can help you if you need to file a personal injury case after your car wreck. Police reports are necessary for filing insurance claims as well since the report established which driver(s) are liable for the accident. Even if you know you weren’t at fault, you may run into challenges trying to convince the insurance company of your innocence. Insurers will try anything they can to reduce the amount of your claim or try to avoid paying altogether by finding to find evidence that you are at least partially responsible for the accident. When you have a police report you can avoid some of the hassles that come with dealing with claims adjusters.
Get the Contact Information of All Involved Drivers
Make sure you have the name and contact information of every driver involved in the accident and provide them with your information as well. Be sure to get the license plate numbers, driver’s license numbers, vehicle make and model, and insurance company information from each driver as well. You can also ask passengers and eyewitnesses for their contact details in case you need more evidence. Get the name and badge number of the police officer who comes to the scene of the accident in case you have to provide this information in court.
Document the accident by taking photos but be sure to get in a safe spot before doing so. Take photos of all involved automobiles from several angles and capture the accident scene for verification purposes.
File an Insurance Claim
If you go through an insurance company to pay for damages to your car, you’ll need to get in touch with your insurance company to make them aware of the accident and file your claim. Check our insurer’s policy on filing claims to determine whether you can file online or make a call. Once you file your insurance claim, a representative will contact you and set up a time to inspect your vehicle. After the assessment, you’ll receive a repair estimate. If the car is totaled, the insurance company will let you know the cost of purchasing a vehicle that is similar in quality to your totaled car.
After taking these steps, you may have to file a personal injury claim. Taking the proper steps after a car accident can prove the evidence you need to give your attorney so you’ll be represented well in court and receive the settlement you’re entitled to.