By Emily Miller
Knowing what to do if you are involved in an auto accident can save lives, reduce injuries and make the claims process simpler and easier, according to the Insurance Information Institute (I.I.I).
The National Highway Traffic Safety Administration reported that nearly 10 million auto accidents are reported each year, which range from fender benders to fatal accidents.
If you are involved in a crash, the I.I.I recommends the following four steps:
Step One – Assess the Damage
If possible, pull your car to the side of the road to assess the situation and to minimize any additional damages. Make a detailed list of the damages done to your car and the other car(s) involved in the accident.
Step Two – Call the Police or Highway Patrol
Depending on the severity of the accident, call to notify the police. Let law enforcement know if anyone has been injured or if a vehicle has been severely damaged. The police will then notify the nearest medical unit or towing company.
If the police cannot come to the scene of the accident or it is not necessary for them to come, you can head to the police department to file an incident report yourself. Having an official report can help if the other driver decides to sue for damages or medical injuries, or there is more damage to your car than initially thought.
If the police do come to the accident, get the officer’s name and badge number and request a copy of the report.
Step Three – Gather Information
Get the names and contact information of everyone involved in the accident, including passengers and witnesses. Ask the driver(s) for their license, car registration and insurance ID card as well as the make and model of the cars involved. Lastly, make note of the location of the accident, time of day and the weather conditions.
If possible, take pictures to better document the accident.
When talking to others involved, keep to the facts. Do not discuss who was at fault, or how much insurance you have, with other drivers. And lastly, never admit fault even if it is clearly your fault.
Step Four – Notify Insurance Agent
Notify your insurance agent of the accident as soon as possible – the longer you wait, the harder it will be to remember the details. However, you should wait some time to let your nerves settle.
Many insurance companies now use mobile apps to start the claims process. These apps allow you to report and check the status of a claim, upload photos, check your deductible, schedule an appraisal, reserve a rental car and even request reimbursements for towing and glass claims.
When working with your insurance company, make sure that you get the name, title and contact information of everyone you speak with, as you will likely have to fill out claim forms.
If you have any questions, don’t be afraid to ask the claims adjuster for assistance. Your insurance company wants your claims experience to be as pleasant and efficient as possible.
