It’s important to know the steps you should take after a car accident, as staying calm and following certain precautions can ease a stressful situation. Ensuring your safety after a collision and knowing how to properly file auto insurance claims are just two things to remember. Below are a few tips you should know if you ever find yourself in this situation.
5 Steps to Take Following a Car Accident
1. Check Everyone Involved
After a collision, always check yourself and any passengers for injuries. If someone is seriously hurt, call 911 immediately. If you are unharmed and can safely exit the vehicle, check on the other car’s passengers and any pedestrians. Make sure everyone waits away from the road until emergency services arrive. If both vehicles cannot be moved, turn on the hazards to alert other drivers about the incident.
2. Report the Accident
Call the police to report the accident. Once the officer arrives, they will create an accident report. They will document what happened based on what each party says. This report will be needed when you file a claim with your auto insurance company, so try to be as specific as possible. Don’t forget to ask the officer’s name and badge number for your records.
3. Exchange Necessary Details
Make sure to exchange all necessary information with the other driver, including full names and phone numbers as well as insurance company information and policy numbers. You should also get their driver’s license number and vehicle plates along with the make and model of their car. Avoid pointing fingers or blaming anyone-- let the insurance adjuster figure that out.
4. Take Photos
Document everything at the scene. Take photos of the damage done to all cars involved. If there is any debris or are marks on the road relating to the incident, snap an image of that as well. Your car insurance may ask for supporting documentation for your claim.
5. Contact Your Insurance
Call your insurance agent as soon as possible. Find out their procedures for claims and follow the steps carefully. This will ensure that your claim is handled promptly and you receive any compensation owed to you for repairs or injuries.
If you’re in need of auto insurance in Moore County and the Texas Panhandle, call the insurance agents at Stidham Insurance Agency. Located in Dumas, the family-oriented insurance company has been offering an array of policies and unique packages for clients since 1969. From car insurance to business insurance, they also offer specialized options such as crop and agricultural insurance. To get started call (806) 935-6888. Visit them online to learn more about their options.