Being involved in a car accident, whether it’s a fender bender or major collision, is often stressful and traumatic. The experience can leave you shaken, making it difficult to think clearly enough to take appropriate action, which is why you should always be prepared and armed with how to properly cope with the situation. Taking proper steps after a crash will keep you safe and protect your interests in an insurance claim. Below are a few steps to follow if you’ve been in an accident.
How to Properly Handle a Car Accident
Pull Over & Assess the Situation
First, get your car safely out of the way of traffic if possible, and check to see if you or your passengers have any injuries. If so, it’s essential to seek medical attention right away. This will not only be vital to your recovery, but it will also serve as evidence if you decide to file a personal injury claim later.
Make a Police Report
Next, you should call the police and request that they come to the scene of the collision. Though you aren’t legally obligated to report accidents resulting in damages under $1,000 in Nebraska, it’s wise to make an official police report. This can help your insurance company determine fault and provide proof of liability if you choose to seek compensation from the other party involved.
Information from the accident scene helps your insurance claim go smoothly. Get the name, contact information, and policy details of everyone involved in the collision. Record witness testimonies, what the driving conditions were at the time of the incident, and how much damage was done to each vehicle. Take photos of the scene, the positions of the vehicles, and your injuries.
Call Your Insurance Company
Notify your insurance provider of the accident as soon as possible. This will start the claims process quickly, so you can get back on the road soon. Your insurer will ask for your policy number or other identifying information, the registration number of the vehicles involved, and the other driver’s contact and insurance details.
No matter how careful of a driver you are, accidents happen. For this reason, you need adequate insurance. The professionals at First State Insurance Agency will help explore all your coverage options and ensure your policy protects you as needed. They offer residents throughout Nebraska, high-quality coverage options at competitive rates. Call (402) 979-7585 to request an auto insurance quote, or visit them online to see the different types of coverage they have available.