Be In Charge When You Have an Auto Accident

Even the best drivers get into auto accidents.  An accident is stressful and drivers sometimes forget needed information to make the best outcome from a bad situation.  When you find yourself involved in an auto accident these steps can help you stay in charge of your claim and get the best results from your insurance company.

 

Be Prepared

It is important to always have your updated Insurance Card, Registration and Medical Insurance information. Keep a pen & paper in your vehicle to exchange information with other drivers.

At the Scene of the Accident      

  • Move out of the way of traffic if practical and turn on your hazard warning lights
  • Call the police even in a minor accident. If someone is injured, request medical assistance
  • Don’t discuss the accident with anyone other than the police or your insurance representative
  • If your car needs to be towed from the accident site, call your insurance company    (The Claims Phone number is often listed on your Insurance ID Card)

 Exchange necessary information with the other driver(s)

  • Write down the other driver’s name, address, phone number, license plate number and insurance policy #, company and agents name and contact information when available
  • Write down the contact information of all witnesses including addresses and phone numbers
  • If you have cell phone archive information on your phone camera and take notes on your voice memo function
    • Photo the Accident scene, vehicle damage and positions of the cars.
    • Photo license plate #s, registrations and drivers license of all available drivers involved
    • Record memo notes at the accident scene include road conditions and all information gathered if your phone has this function

Once you are home

Report the accident to your insurance company or agent as soon as possible. Give a clear description of the accident and provide all details that you gathered.  You will find that having the proper details will speed up your claims processing and provide your company with information resulting in the best outcome possible.

Author: Maren Winkis, Personal Lines Manager

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