What to do If You’re In An Accident?

Here are the steps you should take when you’ve been in an accident.

1. Check for injuries. Check yourself out first to see if you have any injuries.
   
2. Check on your passengers and determine if everyone is physically able to get out of the car on their own. 
   
3. Do you need an ambulance?
   
4. Turn on your hazard lights to alert other drivers to slow down.
   
5. *If your vehicle is positioned where it might be a hazard to oncoming traffic, then you’ll want to pull over to the side. If possible, exit the vehicle only after you have made sure it is safe to do so.
   
6. Is it necessary to call the police?
   * In most states, you are legally required to call the police if anyone has been injured or if the total damage appears to be over a certain amount, such as $1000. * Filing a report with the police helps to protect you because it is a legally documented description of the accident. A police report can also help your insurance company settle your claim more efficiently and with less hassle. This is especially true if the other party presents a different version of how the accident occurred, whether or not the police are on their way.
   
7. Exchange information with the other person involved in the accident. You should write down information about all the parties involved in the accident, which includes…
   – Their names
   – Address-Contact Numbers
   -Their insurance information (including the insurance company and policy number)
   the make and model of the other vehicles.
   -License plates
   
8. Document the accident as thoroughly as you can, if possible.- Immediately take pictures of both cars.- The damage- The accident scene itself
   – Take note of the exact location of the accident (the name of the street or the address numbers).
   – Ask if anyone nearby witnessed the accident.
   – Ask for their names and contact numbers for insurance and legal purposes.* You will be asked for this information from the police and your claim service, so it’s a good idea to write everything down; the more detail, the better. 
   
9. Call your personal insurance agent. Contacting your insurance agent is important, as we can provide specific advice by outlining all the steps you need to take, such as…
   – Reporting the accident- What you should do next- We can also outline your options so you can decide whether or not to file a claim, depending on the details of your accident. It may make sense for you to file a claim, and if you decide that you should file a claim, we can help you get that process started. 

Download our FREE comprehensive guide on what to do if you’re in an accident.

In conclusion, navigating the aftermath of an accident requires a methodical approach focused on safety, documentation, and communication. Swiftly assessing injuries, ensuring the well-being of all parties, and alerting the necessary authorities are paramount. Exchange crucial information with the other party and document the incident thoroughly to facilitate the claims process. Remember, involving the police when required provides a legally documented account of the accident. Finally, contacting your personal insurance agent is a crucial step towards obtaining guidance tailored to your specific situation, assisting you in making informed decisions and initiating the claims process if necessary. Stay vigilant, stay safe.

Take the time to review your insurance coverages at least once a year and keep your insurance agent up to date on your vehicle. For any concerns or inquiries, please call 301-428-4935.