If you are in an accident, there are some very important things to remember that will help you keep calm and in control during a very stressful time. Use these guidelines from Allstate and the Insurance Information Institute: https://www.allstate.com/tools-and-resources/car-insurance/in-case-of-a-car-accident.aspx
STEP 1: CHECK YOURSELF FOR INJURIES
If you’re injured, call 911 or ask someone else to do so. If you’re seriously injured, try not to move, and wait for emergency personnel.
STEP 2: CHECK ON THE WELL-BEING OF YOUR PASSENGERS
If you’re not too hurt to move, check on the other passengers in your car. If anyone’s injured, get on the phone with emergency services or ask a bystander to call for help.
STEP 3: GET TO SAFETY
If you’re able to, move to the side of the road or a sidewalk. If your car is safe to drive and is causing a hazard where it is, pull it to the side of the road. Otherwise, leave it where it is and get yourself to safety.
STEP 4: CALL 911
Whether an accident is considered a minor fender-bender or a major collision, calling the police is important — and in some states, it’s legally required. The responding officers will fill out an accident report and document the scene. If the police can’t come to the scene of the accident, you can go to the nearest police station and complete a report yourself, according to the Insurance Information Institute.
STEP 5: WAIT FOR HELP
Turn off your engine, turn on your hazard lights and use road flares to warn other vehicles to slow down.
STEP 6: EXCHANGE INFORMATION
After making sure you and any passengers are uninjured, exchange contact and insurance information with the other driver. According to the Insurance Information Institute, the most important information includes:
- Full name and contact information
- Insurance company and policy number
- Driver’s license and license plate number
- Type, color and model of vehicle
- Location of accident
The Insurance Information Institute recommends that you avoid discussing fault when going over the facts with the other driver.
STEP 7: DOCUMENT THE ACCIDENT
In order to help protect yourself, the Insurance Information Institute recommends taking the following steps:
- Identify the officers
- Once the police arrive, get the name and badge number of all responding officers
- Get a copy
- Ask the police officers present where you can obtain a copy of the accident report
- Take pictures
- Document the accident thoroughly by taking pictures of your vehicle from different angles, showing the damage done to both cars. It might also be a good idea to take pictures of the other car’s license plate.
- Take down names
- Write down the names and addresses of all parties involved, including any passengers in the other vehicle
- Talk to witnesses
- If there were any witnesses to the accident, take down their names and their contact information, as well
To help keep all of this documentation in order, you can keep this accident information page in your vehicle.
STEP 8: NOTIFY YOUR INSURER AND START THE CLAIMS PROCESS
You may want to call your insurance agent while you’re at the scene. That way, they can tell you exactly what they will need to in order to process your claim and what to expect during the claims process.
Step 9: CALL TECH-COR COLLISION REPAIR CENTER
The shop will get your vehicle towed to us and get the repair process started quickly and efficiently. We are trained to assist with your insurance claim and help get you back on the road safely.