Have you ever gotten in a car accident and wondered what to do?
If you don’t think about it a head of time you may panic and be lost when you’re in the moment.
Knowing what to do when you’re in an accident is extremely important, but here’s the problem. Most people don’t think about what they’re going to do if they’re in an accident until they’re in an accident; and at that point it’s too late. So I want to go over a few tips with you so that you can be prepared and be aware of what you need to do.
The first thing, if you’re in an accident, check yourself and check your passengers for injuries.
That’s the first thing you should do. If you need to call an ambulance, you need to call them right away so that they can get there and take care of you.
The second thing is you need to get yourself and you need to get your car out of danger.
If you’re out there on the road, bring your car into a parking lot (if possible) or somewhere where further damage can’t occur.
The next thing, you need to call the police so they can come out and take a police report.
If the accident occurs on private property, they might not come, but call them any way to check. If they can come out that is the best situation. The reason I say that is because they come out, they give a police report and they give an information exchange report. On that information exchange report it has all the other person’s contact information. It has their insurance information and then the police report of course reports what happens.
Why is that important? It’s important because this may come as a shock to you, people lie. At the scene of the accident, the person who was at fault usually is a very apologetic, they’re saying, “I’m so sorry. I’m going to take care of all of this,” but what I’ve seen happen time and time again is once everybody leaves and goes home, the story that that person tells to their insurance company completely changes and suddenly it wasn’t their fault at all. It was all your fault and so that information exchange report and that police report goes along way with the insurance company trying to determine who was at fault.
The next thing you can do is document everything.
The police aren’t going to do as much as you should do. You have a phone. Take pictures, take video, talk to witnesses. You can record witnesses on video describing what happened. The more documentation, photos, videos that you can get, the better. Again, people lie and the more documentation, concrete documentation, that you have goes a very long way in helping the insurance company realize that you are not at fault and the other person was not at fault.
Now, once you have all that information, once the police are gone, take that documentation, go home, and then at that point get your insurance company on the phone, file a claim. They’ll hold your hand, walk you through the process and make sure everything gets taken care of. Hopefully you’re never in the situation where you have to file a claim, but if you are now you know what to do.