The decisions you make in the moments of panic after a car accident can have serious implications for the well-being of the parties involved, along with the outcome of your insurance claim and future auto insurance quotes. Here are some ways to protect yourself after an auto accident.
What to do After a Car Accident
1. Assess the Situation
Remain calm. Don’t place or accept blame for the accident or get emotional. Make a note of the number of vehicles involved in the accident. Check yourself and all parties involved for injuries.
If you can do so safely, move any damaged vehicles and persons off the road. Use hazard lights and flares to create visibility for passing vehicles.
2. Inform the Authorities
Even if not required by law, you should report the accident to the police. They’ll conduct an accurate assessment of the facts, and help safely route traffic around the accident.
You may also be required to inform the local motor vehicle office. In Ohio, if the driver or owner of the vehicle did not have valid insurance coverage at the time of the accident — or it resulted in death, injury, or property damage exceeding $400 — you’re required to file a Crash Report with the BMV within six months of the incident.
3. Document the Scene
Take detailed notes of your own experience and those of any eyewitnesses. Document the time of day, weather conditions, visibility, location, and any other information pertinent to the scene.
Record video or take photographs of the vehicles involved, including license plates, makes, models, manufacture years, colors, and any damages incurred.
4. Exchange Information With All Parties
Get the names and phone numbers of all parties involved, including eyewitnesses. Exchange insurance information with the other drivers. Request copies of police documentation or relevant report numbers. Providing this information to your insurance company will help them expedite your claim.
5. File an Insurance Claim
Be prepared to pass all your gathered information to your insurance company, including photos or videos. They’ll also require information about the other drivers, specifically the name of their insurance company and policy number. The claims adjuster will use this information, along with any data they can gather from your car’s black box, to reconstruct the scene and assess the claim.
For over 30 years, 1st Choice Insurance has provided affordable car insurance to Fairfield, OH. They specialize in high-risk insurance, offering low-cost SR-22 insurance, a bond insurance that proves to the state you're insured. They also offer motorcycle and RV insurance. Visit their website or call them at (513) 860-0666 to get their latest car insurance quotes.