By following a systematic approach and carefully recording what has happened, you can gather all of the information you need.
The following guidelines from our friends at Trusted Choice will help you ensure the process goes smoothly.
Check the Accident Scene and Get Emergency Help
Before you and the other driver contact your insurance providers to file automobile insurance claims, get your vehicle to a safe place and make sure everyone is okay.
If anyone is injured, call 911. The most important thing to do is ensure that any medical emergencies are taken care of immediately.
Next, contact the police to report the accident. They will be able to file a report and take down necessary information for your insurance agent.
There are many factors that go into a collision, some of which may not have been avoidable. Never admit you caused an accident. Do not blame the other driver either. Often it takes a police officer and/or an insurance adjuster to determine what happened and who is at fault.
The best approach is to document the accident. If possible:
- Take photos of the damage to all vehicles involved.
- Photograph the accident scene and any property damage.
- Take photos of identifiers, such as intersections and addresses.
- Gather accurate information from other people involved.
- Take clear pictures of insurance cards, license plates and other identifying information.
- By documenting the accident, you will be able to help prevent false claims from the other driver or others involved.
When an accident or theft occurs, it is important to file an auto insurance claim as soon as possible. Have your vehicle information ready, as well as details about what happened.
When you file an accident insurance claim, your agent will ask some basic questions that will ultimately pertain to your auto accident insurance settlement. For example:
- Was anyone injured?
- Where is your vehicle?
- Does it need to be towed?
- What happened?
- Describe what happened as clearly as possible. Provide the police report numbers and insurance information you gathered from anyone else involved. If your car has been taken in for repairs, include the contact information for the repair shop.