Traveling on the road brings with it certain dangers and auto accidents are likely at the top of anyone’s list. That’s because even if the possibility of injury is avoided, the prospect of spending time getting your vehicle fixed is a bothersome obligation that might require weeks of finding alternate transportation.
However, even in the best of circumstances, there’s no absolute guarantee that this type of accident can be avoided. That means knowing the right course of action to follow after a mishap occurs. Listed below are things to remember:
Check Everyone’s Health
Checking to make sure that everyone in all affected vehicles are okay is the first step. If anyone does complain of pain, make sure to call 911 immediately. Even if no one is hurt, calling will alert local police and allow them to handle the situation.
Move Off the Road and Exchange Information
In order to avoid tying up traffic, pulling over to the side of the road and turning on your flashers as soon as possible will make things easier for all involved. Each driver involved should then exchange insurance information in order to make sure that the subsequent call to the respective insurance companies will speed up the overall process.
Document the Situation
Recalling all facts while they’re still fresh in your memory will help avoid forgetting things later. Be sure to note the time of the accident, the driving conditions, the number of vehicles involved and if any factor played a role in the cause. If you’re not sure, don’t be afraid to tell police that you don’t know. That’s because inaccurate information could affect your insurance claim.
Call Your Insurance Company
Regardless of whether you have GEICO, Progressive, GAINSCO Auto Insurance, State Farm, or some other policy, contacting your insurer should be next on your list. Failure to do this in quick fashion will likely result in your claim being rejected. If you require treatment and are unable to do this, make sure a family member or friend contacts the company.
Keep All Information Handy
Once the insurance company is notified, they’ll issue a claim number and send out an adjuster to investigate the accident. That number and the adjuster’s name, other contact numbers and receipts of anything accident-related should be put into a specific accident file. Those receipts might be medical or repair bills or could be connected to finding your alternate transportation.
Watch What You Sign
Unless the police or your own insurance company asks you to sign something, don’t put your signature on anything regarding the accident. Otherwise, you may be signing some document that states you were at fault or waives your rights in some fashion.
Don’t Go Anywhere
Once final item should be obvious but bears mentioning. Don’t leave the scene of the accident before police arrive or you could be facing legal charges for your actions.