Auto insurance tips for after you've been in accident

Written by Ryan Hurlbert on April 13, 2011 & Posted in Auto Insurance

No one plans to get into an accident. However, if you are involved in a crash, even a minor one, it is important to follow these steps:

  1. Stay calm. People don't like to help cussing, shouting maniacs.
  2. Don't admit guilt or apologize. You may not be at-fault, but there is no reason to establish guilt at the scene.
  3. If there are injuries or severe damage, call the police.
  4. If you are threatened in any way, call the police.
  5. Get the driver's name, contact information, auto insurance company and policy terms.
  6. Get the names and contact information of any witnesses on the scene who were not directly involved in the accident.
  7. When giving information to others, do not hand over your license or auto insurance identification card (unless it is the police). Instead, write all information on a separate piece of paper.
  8. Note any passengers in the car, and get their names and contact information if you can.
  9. Note all injury complaints.
  10. Take down the vehicle identification number and license number of the other car, and write a description of damage.
  11. If you have a camera, take pictures of all sides of the car. Camera phones are great for this purpose.
  12. If you are at-fault, file a claim with your auto insurance company even if there is no damage to your car. You want your side of the story on record while it is still fresh in your mind.
  13. If you are not at fault, and there is damage to your car, file your claim directly with the other party's auto insurance company. If the other party contests the claim, you can always have your car insurance company pay for the repairs and let them recover your deductible when fault is established in your favor.


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