After an auto accident, you may be understandably shaken up and not thinking clearly. Nevertheless, it's important to complete a few critical steps so you can submit a claim to your car insurance company. If you drive a vehicle, read and remember this checklist to help you take control in the event of an accident.
What to Do After an Auto Collision
1. Call 911
Report the incident to the authorities immediately. Let the dispatcher know if anyone has been injured so they can send an ambulance, if necessary. Even if nobody is hurt, request an officer's presence so he or she can file a police report.
2. Exchange Information
After the fact, you will need to supply your car insurance provider with information on the other driver(s). This is usually contained in the police report, but it's also wise to collect the data yourself. Write down other drivers’ and passengers’ names; vehicle makes, models, and years; license plate numbers; drivers’ license numbers; and their insurer and policy numbers.
3. Document the Scene
Take photos of the vehicles, focusing on any damage. Photograph the area as well — yield or stop signs, weather conditions, skid marks, and the like. Note the exact location of the accident, and record witnesses’ names and phone numbers. Discuss the accident with nobody but the officer, once he or she arrives on the scene. Collect a copy of the police report.
4. Contact Your Car Insurance Agent
Call your agent to alert them you will be filing a claim. Report all information you collected in the previous steps. A good agent will walk you through the process and help you file the claim with your insurer.
For help choosing the right car insurance policy, contact Zach Plackemeier – State Farm® Insurance Agent in Florissant, MO. Zach and his team offer small-town service with the benefit of a respected, nationwide brand. In addition to auto insurance, they also specialize in business, life, and homeowners insurance. Visit their website to ask for more information or call (314) 921-7900 to request a free quote.