STEPS TO TAKE IF YOUR INVOLVED IN AN AUTO ACCIDENT
If you've ever been involved in an auto accident, you know how stressful it can be. Most people are flooded with a mix of emotions and worries. You'll be concerned about everyone's safety and anxious about your vehicle. You might be angry at the other driver. Then there's the fear about what impact the accident will have on your driving record and your insurance. All those things can make it hard to think clearly and respond properly. And if there are injuries, the stress can be amplified. But that's when a clear head and quick action are really crucial. Hopefully, you'll never need to use this information, but here are some tips that we recommend you do in the event of a traffic accident.
1. After an accident, getting help for the injured is always the first priority. Have someone call the police or highway patrol. While waiting for medical assistance, try to provide the injured with whatever comfort is possible, but avoid moving them so that you don't aggravate their injuries.
2. Call the Police. Even if no one is hurt, the police should be involved if damage is extensive. In case of a "hit-and-run," you must report the accident to the police as soon as possible (within 24 hours). Once you've provided the police with the data they require, ask the investigating officer where you can obtain a copy of the police report. This report will help support any claim submitted to your insurance company.
3. Collect information. Get the name, address, phone number of the other driver. Write down the make and license number of all vehicles involved. You'll want to get as much information as you can about the other driver's insurance agent, policy and insurance company. Do not discuss the accident with anyone except the police or your insurance company. Don't talk about fault; even casual remarks can be used in court.
4. Don't forget to collect the names, addresses and phone numbers of passengers and witnesses. Since many cases end up with the parties blaming each other, third-party witnesses can be important. Don't hesitate to approach anyone who may have seen the crash.
5. Protect the accident scene and take photos if possible, particularly if the accident occurred on private property. Try to protect your car and property from further damage by setting up flares. Depending on your state law, you may either need to get your car off the road so as not to tie up traffic or cause additional accidents or not move any cars until the police arrive so they can easily reconstruct the accident and assign responsibility. Please check with your local police or Department of Motor Vehicles to determine which law is in effect in your state.
6. Call your insurance company. Put your insurance to work by filing your claim as soon as possible. Your agent or insurance company will let you know what information it needs and how to proceed with your claim. Keep records of your expenses and copies of all paperwork.
7. Stay calm, we know that no car wreck is ever minor if you're involved. Remember, these incidents are the reason you have insurance in the first place.
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