No one expects to get into a car accident, but unfortunately, even the most cautious drivers can be involved in a crash due to someone else’s negligence. That’s why you should be prepared and know how to navigate the confusion of such an event. The decisions you make in the immediate aftermath of a collision impact how smoothly the claims process goes with your auto insurance company. Here are a few essential steps to take to protect your health and finances.

What to Do If You’re Involved in a Crash

1. Exchange Information & Take Photos

Trade contact and auto insurance information with the other driver before leaving the accident scene. To get your claim started, your insurer needs their name, phone number, policy number, driver’s license number, license plate number, and the make and model of their vehicle. You should also take pictures of the area where the collision happened, the cars involved, and your injuries to help support your claim.

2. Make a Police Report

In Kentucky, drivers are legally required to notify law enforcement of a car accident if it results in a fatality, injury, or enough damage that a vehicle becomes inoperable. The police investigate the scene, talk to witnesses, and write a detailed report of the event. This report can end up being a crucial piece of evidence when it comes to establishing fault for the crash.

3. Inform Your Auto Insurance Company

Let your insurer know about the accident promptly to remain in compliance with the terms of your policy. Often, it’s easier to work with your local insurance agency and have them facilitate communication with your claims adjuster. Provide them all the facts so that they can correctly evaluate the situation.

4. Get a Medical Exam

Even if you think your injuries are minor, get checked out by a healthcare professional. A thorough examination can show injuries that aren’t otherwise visible. Also, failing to seek medical treatment may jeopardize your ability to recover fully later—both physically and financially.

Ensure you have sufficient auto insurance before an incident occurs. At Hamilton-Martin Insurance Agency in Louisville, KY, you’ll find high-quality coverage solutions at competitive prices. Their team of agents is not only available to help you customize the most suitable policy for your needs, but they also provide guidance if you have to file a claim. Call (502) 957-6500 to schedule a personal insurance assessment, or visit them online to request a quote.