An accident is a horrible experience that no one wants to be involved in. However, you should be prepared and know the right actions to take to reduce injuries, save lives, and simplify the claims process.
If you are unprepared, you can get overwhelmed by the confusion, emotion, and chaos surrounding accidents. Your immediate actions impact your health and pocketbook. Once you ensure everyone is safe, you need to focus on the rest of the process to ensure added safety and make the claims process more manageable.
Myers Insurance Group works closely with its clients to ensure the claim process is easy, and your cost of car insurance is affordable.
1. Call 911
As you ensure everyone is safe, call 911. Dispatch will send an ambulance, firefighters (in case of a major accident), and the police. Their priority is to check and assist with the safety of everyone involved. The law will also make a legal accident report, which is essential for your insurance claim.
2. Call Your Agent
Call your insurance agent or the company’s emergency claim number as soon as it’s practically possible to help file a claim. It would help if you called them from the scene and let a police officer help you give the information. The police officer is at a better chance of providing detailed information because you may be overwhelmed by emotion or confusion to provide accurate details.
3. Document the Accident
It would be best if you gathered numerous facts about the accident. The information you collect should include:
Car Accident Information
A car accident form is one of the best ways to collect the accident’s information. Another great alternative is photos or videos. However, a car accident form is better because it tells you what you need to document because the confusion can easily make you forget.
You can get the car accident form from the police or your local DMV. Moreover, you should note that the form is different for every state. You will gather information such as the date and time of the accident, accident address, etc.
The Other Party’s Insurance
You need to note the other driver’s insurance company and policy number. The information should be available on their proof of insurance.
The Other Driver’s Information
Get the name, contact information, and address of the other driver.
Information About the Other Car
Note the other car’s vehicle description, license plate number, and registration information.
4. Do Not Discuss the Accident With the Other Party
Be polite but limit your discussion with the other party and passers-by about the accident. Discuss with medical professionals, the police, and your insurance agent. It would be best if you don’t admit the fault of the accident.
5. Assist the Police With Their Accident Report
Help the police to make an accident report by answering their questions. However, do not admit fault.
It is essential to be prepared and know what to do during an accident. The preparation will help you to reduce injuries, save lives, and simplify the claims process. Apart from injuries, accidents could overwhelm you with emotions and confusion.
Once you assess and ensure everyone is safe, call 911 to dispatch the appropriate help. Call your agent as soon as possible, preferably when you are still at the police scene. Gather all the necessary information to document the accident. The report includes accident information, insurance details, other vehicle’s details, and the other driver’s details.
You should also limit your discussions with the other party and avoid admitting fault. Talk to medical professionals, police, and your insurance company. Be as helpful as possible with the police but also avoid admitting fault.
Are You Looking for Reliable Car Insurance in Savoy, IL?
It is essential to have a reliable and experienced insurance firm. It would be best if you had affordable and personalized insurance with excellent coverage. Furthermore, it would be best if you had a firm that works for your best interests.