If you’ve never been involved in a car accident before, then good for you. But we strongly encourage everyone to become educated regarding what to do should this incident happen. Knowing exactly what steps to take can help you with your car insurance claim; making it quick and easy. Let’s check out the steps below.
Compose yourself and check for injuries
First of all, compose yourself. Don’t get agitated because it will only make things worse. Keep a cool head so that you could handle the situation appropriately. You should immediately check for any injuries, including your passengers. These should be attended to right away, especially if severe injuries were incurred.
Call the 911 and check the damages
Injury or no injury, call 911 so that paramedics can do a thorough check and to have police officers on the scene. If you aren’t injured, step out of your vehicle, and check the damages to both cars. Take photos of the damages and the position of each car. These will help you with explaining what happened to the officers, if necessary.
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Take note of useful information
As expected, you are to exchange information with the other driver involved. You should exchange names, insurance information, and phone numbers. Aside from these, you should also get the license plate of the other car involved, the witnesses’ names and contact information, and the names and badge numbers of the officers on the scene. These could prove useful once you make a claim with your insurance carrier.
Decide whether or not to make a claim
Not every vehicular incident requires that you make an insurance claim, especially if the damages are minimal and you have high deductibles. Should you decide to make a claim, get in touch with your insurance carrier as soon as possible to initiate the process. Also, prepare the information that you have collected to make the process as smooth as possible.