Whether it’s a minor fender bender or a major collision, being involved in a car accident can be confusing. Thus, drivers should be prepared ahead of time and learn what to do if they’re in this situation. Knowing the appropriate way to handle a crash will help protect your safety and simplify the process of working with your auto insurance company, too. Here are the steps you should take to improve your odds of a successful claim.  

What to Do Following a Car Accident for a Smooth Insurance Claims Process

1. Move to Safety & Check for Injuries 

Your safety and the condition of everyone involved in the accident is top priority. Start by moving your vehicle out of the way of traffic and checking for injuries. Even if you don’t see any visible harm, it’s best to get examined by a doctor. This is not only imperative for your health, but it will also prove useful in supporting your claim if you need to be reimbursed for medical care.

2. Call the Police 

Under Texas law, you’re required to call law enforcement after any accident where someone is injured or the property damage exceeds $1,000. An officer will fill out a crash report with all the details of what happened, which can be helpful in establishing fault. If there’s a dispute with the other party’s insurer, this report can make a difference in whether or not you receive full payment for the incident. 

3. Exchange Information 

Get the contact, driver’s license, and auto insurance information from every driver involved in the collision, as well as the names and phone numbers of any passengers. Also, write down their vehicle’s make and model and license plate number. The insurer will need all of this information to file a claim.

4. Document the Scene

Photos will make it easier for your claims adjuster to visualize what took place, and they will serve as evidence when demonstrating liability and the extent of damages suffered. Take pictures of each car, the accident scene, nearby traffic signs, and your injuries. You should also get a statement from any witnesses that saw the crash.

5. Notify the Insurance Company

Finally, contact your auto insurance company as soon as possible. There are usually deadlines for filing a claim, and the longer you wait, the higher your risk of being denied becomes. Present your agent with the facts, and keep good notes of your communication.

Before an accident occurs, make sure you have adequate auto insurance. Backed by 30 years of industry experience, C.I.S. – Crop Insurance Solutions LLC can explain all your coverage options and help customize a policy that fits your unique needs and budget. As an independent agency, they’re able to provide the residents of Moore County, TX, with high-quality products and competitive pricing from a variety of top-rated carriers. Call (806) 935-6512 to set up an appointment, or visit their website to submit questions online.