Know the five most important steps you should take immediately after the accident.
A car accident can happen in the blink of an eye. But although it only lasts a moment, the consequences of a shock can last much longer. That’s why it’s important to have auto insurance for your protection.
If someone is injured, your insurance could pay for your medical expenses and those of other drivers if you have adequate coverage. If you have comprehensive coverage, your insurer could provide you with a car while a mechanic fixes yours.
If you have an accident, follow these suggestions to protect yourself and your passengers:
1. Health is first. If someone is injured, do not hesitate to call 911 or seek medical professional assistance.
2. Turn on the emergency lights. If the accident is minor, try moving your car to a safe place to get away from traffic. Turn on the emergency lights to alert other drivers. You can also use some of the emergency signage items that usually come in vehicles, such as triangles or cones.
3. Do not talk about guilt. Do not blame the other driver but do not accept guilt either. The guilt of an accident is determined through a combination of sources, including the police report, interviews with drivers and witness observations.
4. Call your insurer. Contact your insurer at the first opportunity. The telephone number should be included in your insurance card. Your insurer will tell you what to do from then on.
5. Collect data. If you have the opportunity, take pictures at the scene with a camera or your cell phone. This could help in the investigation of the insurance company or the police. Also, exchange data with the other driver, such as name, address, driver’s license number and the name of the insurer.
An accident can be traumatic, and that’s why it’s important to have comprehensive coverage. Keep in mind that each insurer offers its own coverage options. Contact an insurance agent to determine what coverage is right for you.