Hopefully you will never be in an accident, but if you are, remember these general guidelines…..
If possible, stop your car in a safe and visible place. If a car cannot be moved, turn on the hazard lights. Turn off the ignition. Be careful when exiting your car.
Determine if anyone is injured. Do not move an injured person.
Call the police (911 in most places) immediately. Report any injuries.
If another vehicle is involved, get the car’s year, make, model and license plate number; the driver’s name, address and license number; and the name of his or her insurance company and agent. If the driver does not own the car, get the name of the car’s owner. Write down names and addresses of other passengers or witnesses.
Write down the names and badge numbers of police and emergency personnel at the scene. Ask the officer how to obtain a copy of the police report for your insurance claim.
If you suspect that the other driver was under the influence of alcohol or drugs, ask that a breath test be performed on you and the other driver.
Cooperate with the police, but do not admit guilt for the accident in any way. You may be required to show proof of insurance, but do not reveal how much coverage you have.
Do not accept any money the other driver may offer. By accepting money, you may give up your right to file a claim against the other driver.
Write an account of what happened: time of day, weather, hazards, road conditions and driving speed. Draw a picture of the site, showing stop signs, signal lights, etc. Try to measure skid marks and determine the point of impact. Note any damage already on other cars involved. If a camera is available, take pictures of the accident. Make copies of the pictures.
Report the accident to your insurance agent or company as soon as possible.
*Always remember that, if anybody other than your insurance agent or claims representative contacts you do not discuss the accident with them and do not agree to make a recorded statement.
If you follow these tips, it’s easier to resolve your claim, which means your auto insurance company can get you back on the road faster!
* This material is intended for educational purposes only. All coverages are subject to availability and qualifications. Other terms, conditions, and exclusions apply. This is a brief description of terms, options, coverages and helpful information. This is not, nor does it, constitute a contract.
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