Did you know that there are roughly six million motor vehicle accidents per year in the United States alone?
With statistics like that, even the most careful drivers may find themselves involved in a motor vehicle collision or other car accident this year. While it is our hope at Erica Boll Insurance that you aren’t one of those drivers, we want to prepare you so you’re ready if you ever find yourself in that position.
Steps to Take After a Car Accident
First, report the accident. You can file a police report by calling 911, calling a non-emergency law enforcement line, or visiting with an officer who witnesses the accident or aftermath and stops.
Drivers sometimes feel pressured or tempted not to file a police report out of kindness or worry about increasing insurance premiums, but filing a police report is critical. In some states, you need a police report in hand to schedule auto body or mechanical repairs. Additionally, the details in the report can provide a helpful legal record if another driver makes allegations against you later.
Once you’ve reported the accident to authorities, let your insurance agent know that you’ve been in an accident. He or she knows the most important steps to take and can provide sound advice to you during this stressful time. Follow your insurance agent’s instructions while you’re on the scene and after you leave.
With your agent’s guidance, document details accordingly. Information that is most likely to be helpful later is:
- your recollection of the exact details surrounding the accident – where the vehicles were prior to colliding, the status of stoplights in the area, who may have witnessed the accident, and how the accident occurred
- photographs of any damage that presumably resulted from the accident (to your vehicle and the other vehicle)
- the contact information and insurance card of any other driver involved the accident; it’s also okay to share your insurance information with other drivers involved
- contact information of any passengers involved in the accident as well as any witnesses to the accident who stopped to help or answer questions
Your insurance company may request this information from you later.
Finally, work with your agent to file a claim. They’ll walk you through the next steps, from initiating the claim to arranging for any necessary repairs on your vehicle.
What Not to Do
Never claim that the accident was your fault. While it may have been, the dynamics surrounding an accident are complex, and without a complete investigation, it’s impossible to know all the factors that came into play. Share accurate, detailed information without admitting fault.
Don’t discuss the accident with the other party involved or with passersby. Leave your conversations to those you have with the police and with your insurance agent, and even when talking to the police, avoid oversharing. Answer their questions without offering up additional information.
For a free, no-obligation car insurance quote, visit Erica Boll Insurance online or in New Holstein, WI, today!
