Knowledge of what to do after the car accident may help make the insurance claims process simpler and smoother so that you are again on the road faster.
If you are in an auto accident:
1. Try to stay calm, cease your car and examine for injuries. The life and well being of you, your passengers and the opposite folks involved in the accident is way more vital than the car itself.
2. If required, call the police and let them know of the accident, your location, how many people are involved, whether or not there are accidents and the sorts of injuries.
3. Chances are you’ll wish to take reasonable steps to protect your self, and your vehicle, from additional damage. Where attainable and if authorized, transfer the autos to the facet of the highway and switch in your hazards as quickly as it is safe. When you’ve got flares, you might want to use them to warn oncoming visitors and to forestall further crashes.
4. Taking a lot of notes is a good apply, like:
• the date, time and location of the accident
• how the accident occurred – generally a drawing is worth a thousand words and might help improve what you’ve noted
• the type and placement of harm to your automobile
• the type and site of injury to the opposite automobiles or property concerned
• the names, addresses and make contact with info of all drivers and passengers concerned in the accident
• driver’s license numbers and all the data on the licenses
• insurance coverage identifications including the title of the insurance coverage firm and policy quantity
• the names, addresses and phone data of witnesses
• the names and badge numbers of law enforcement officials or other first response personnel
(Being able to take notes is important so keep a pen and pad in your glove compartment, simply in case.)
5. You may want to ask the police officer when and the place you can get a replica of the accident report. There’s a very good likelihood you’ll need it whenever you submit your insurance coverage declare to your insurer.
6. It’s normally a good suggestion to call your insurance coverage firm immediately and report the accident as a result of the sooner they know concerning the crash the faster they’ll begin working to resolve your insurance claim. As effectively, they’ll be capable of explain the next steps, like the place to have the automobile towed if essential and organize for an adjuster to come back out and appraise the injury earlier than any restore work is done.
7. There are a few don’ts you might need to take into account like don’t focus on the financial limits of your auto insurance coverage and keep away from discussing the duty for the accident or circumstances of the accident with anybody aside from the police or a consultant of your insurance company.
Auto accidents take a major toll on everybody involved. However, in case you stay calm, make safety your precedence and comply with the above ideas, you will get by means of the ordeal of being in an accident and submitting an insurance coverage claim.