An accident, no matter how small, can be a stressful experience. Here are some guidelines to follow immediately after an accident that will help you prepare for your claim. Even if you are only slightly injured in an accident, follow these steps. You may not have realized the full extent of your injuries yet, so you better be careful. We’re here to help you get back to normal as quickly as possible.
Step1:
When: As quickly as possible.
Are you hurt? Take a few minutes to see if you or other passengers are injured. Your health is the priority. Move your vehicle. It is a matter of security. If possible, move your vehicle to a safe location away from traffic.
Step 2:
When: During your discussions with the other driver.
Don’t accept responsibility. Even if you think you’re responsible, don’t make decisions that you might regret later. If you are injured in the accident, get checked by a doctor as soon as possible. In addition to assessing your condition, your doctor will list all the symptoms associated with your accident in the medical report.
Step 3:
When: Before leaving the scene of the accident.
Exchange your contact details. You must exchange your contact details with the other driver (name, address, phone number, driver’s license number, license plate, name of the insurance company and policy number, year, make and model of vehicles)
Step 4:
When: Before leaving the scene of the accident.
Look for witnesses. If anyone saw the accident, you can ask for their contact details so that they can confirm your side of the story.
Step 5:
When: Before leaving the scene of the accident.
Report the accident to the police. When the damage is slight, and no one is injured, it is not necessary to report the accident. However, when there is damage, it is always relevant to report the accident to the police. Call to 911 in case of an emergency.
Step 6:
When: Immediately after calling the police
Contact the insurance agent as soon as possible. They will be able to inform you about your protections, tell you if you are entitled to special services or a rental car and recommend a repair shop. They will open your complaint file, and they will accompany you every step of the way until it is resolved.
How to file your auto Insurance claim
Notify your Insurer and document the accident. You must provide them with the following documents within 8 days:
- The accident report that you have completed;
- if the police intervened, attach a copy of the police report
- Other supporting documents showing the damage you suffered, for example, photos.
- If you are summoned to appear in criminal court, also contact your insurance agent intermediary or legal protection insurer. Communicate to him:
- a copy of the summons;
- the name of the lawyer you wish to call upon and his address (if you have taken out legal assistance coverage);
- A copy of the statement of offense. You will receive this by mail shortly after the infringement
Bottom Line:
Accidents happen, even to seasoned drivers. You might be frazzled out, but following the steps mentioned above can really help you from worries. That way, you can focus on dealing with your insurance issues as quickly as possible.