Accidents can be very scary. Dealing with the insurance company afterward can be an ordeal too. Accidents can be confusing, and knowing what you should do in the moment can be tough. Here are some things you should definitely make sure you do when you get in an accident.
Get the Other Party’s Contact Information
If your accident involves anyone else, you need to get their contact information. Your insurance company will want to talk to them in the process of handling your claim. You’ll also need to get the other driver’s insurance information. In some cases, such as in the event of a hit and run, you may not be able to get it. Get as much information as you can about the car. Make note of the make, model, license plate number, and color of the car, as well as any other identifying information you can pick out about the driver. Some insurance can cover hit and run accidents, but you often have to add it as extra coverage.
File a Police Report
Police don’t always respond to accidents if the damage is minimal and there are no injuries. If the police don’t respond, they won’t be filing a police report of the accident unless you take action to file one yourself. A police report has lots of information on it that can be useful to insurance companies when they process your claim. It can be helpful if the other driver’s insurance insists you were the one at fault when it was really the other driver.
Take Lots of Pictures
You should also make sure to document the accident as accurately and with as much detail as possible. Take photos of the scene, any traffic indicators, the damage to vehicles and property, anyone involved or at the scene of the accident, any injuries you sustain, and any information you might need later. Some injuries may not show up right away. Take pictures of them and document them when they manifest. These photos will help you argue your case with the insurance companies. Just make sure to avoid posting about the accident on social media.
Getting in your first accident can be pretty scary, even if no one is seriously hurt. If you do get in an accident, make sure you get the other party’s contact information. File a police report, and make sure you take lots of pictures of the incident. These measures will help you have the information you need to deal with your insurance company after the accident.
Read this next: What to Look for When Getting a New Car