Be Prepared for the Unexpected – What to Do after an Auto Accident
Even the most cautious drivers can be involved in auto accidents. Here are some suggestions for the steps you should take following an auto collision to eliminate some of the post-accident stress and hassle. It may also be a good idea to keep a set of cones, warning triangles or emergency flares in your car to alert traffic in the event of an accident. Have a pen and pad handy to write down all information pertinent to the incident.
Immediately following an accident, try to stay as calm as possible. Check for injuries and call an ambulance in case of any doubt. If it is a minor accident, move the cars to a safe place, away from traffic. Turn on your hazard lights and, if you have them, use cones or flares to warn other vehicles. Call the police, even if the incident is minor. Be sure to contact your insurance agent right away.
The police will prepare an accident report which you will need to give to your insurance agent. Do not sign anything unless it is for the police or your insurance agent. Take notes on the incident, including specific damage to all vehicles, witnesses, etc. It is a good idea to take photos immediately of damage (to vehicles and/or property), the accident scene (road conditions, skid marks, debris in roadway, position of vehicles), location identifiers (intersection, address, exit number) and ID information (insurance cards, license plates). Request driver information and auto registration (especially if the two are different) from the other parties involved. If the driver and registration are different, write down the relationship between the two. Be sure to document the names, phone numbers, addresses and email addresses of all occupants, including number of occupants in other vehicle(s), as well as witnesses, the location of the accident (intersection, address, exit number), the company name, policy number and phone number for the other party’s insurance carrier, any emergency service responders (officer name(s), badge number, ambulance company, fire department). Do not ever say that the accident was your fault, even if you think it was. Just state the facts and keep the discussion of the accident to a minimum, mainly with the police and your insurance agent. Try not to leave the scene of the accident before the police and other parties do.
We hope that you will not need to use this information, but in the event that you are involved in an accident, try to remain calm and follow the suggestions mentioned above. Please contact us immediately if you are involved in an auto collision. Remember we are in business to service and protect your interest.
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