A car accident is something we all prepare for, but keep our fingers crossed that it never occurs. However, a driver can never account for the actions of others, and eventually a fender bender or worse could happen when least expected. For times like this, it’s important to keep a cool and collected demeanor in order to remember the crucial steps needed to stay safe and file a successful accident claim. Skipping one or two might not mean a denial, but the more check marks you have in your claim process, the more likely it will be dealt with in a timely manner.
Triage the Situation
Safety is always the first consideration in an auto accident, so once one occurs, check yourself and your passengers for injuries. Then, if it’s safe to do so, exit your vehicle and check on the other driver. Tensions could be high if one of you is clearly to blame for the incident, but put those emotions aside and make sure everyone is ok. If someone is hurt, immediately call 911. If everyone is alright, the next step is to take a deep breath and pause- there’s never a need to rush. Remember that you are on a roadway, and danger could still be around the corner. Take road flares from your vehicle to warm other drivers, and then step off the road.
Collect the Details
Once you have determined everyone is ok, place a call to the local police department so they can come and write up an official accident report. If the other driver tries to dissuade you, don’t listen to them. Everyone has a sob story when they don’t wish for police involvement, but this is about your insurance claim and you will need it in order to be compensated. While waiting for the police to arrive take a moment and review in your head what happened- try and stay away from the other driver and form your own accounting of the accident. If the other driver is at fault, they may attempt to bend the events to their advantage.
Survey the scene and note the damage as you see it. You may not be a mechanic, but you can note leaks, body damage, or other accident related evidence to help with the report. Once this is done, speak with the other driver to collect their insurance information and copy their information off their driver’s license. Don’t have them tell it to you- it might be false. When the officer arrives, be helpful and honest about what happened, then get the report number so you can request it the next day when you you file your claim.
In Case of Accident, Don’t Forget These Steps
