What You Should Do After A Collision
An automotive collision is not a situation that should be taken lightly. It is estimated that 20-50 million people are involved in automotive accidents each year. If you find yourself as one of the thousands of unfortunate drivers, knowing how to react after the collision can help you prevent further injuries, reduce costs, and even accelerate the clean-up and repair process. Here are steps that can help you progress quicker after an automotive collision.
Emergency Equipment & Safety Kit:
Some essential items to have in the event of an automotive collision includes a cell phone, a writing utensil for note taking, and a camera to take photos of the accident. Most cell phones will have a camera function that you can use. In an event of a serious medical issue, have a medical card with information about medical allergies or conditions that may require special attention. A set of cones, warning triangles, or emergency flares should be kept in the trunk.
After having been in a car accident, it is important to remember to move your car off to the side of the road to avoid any oncoming traffic. Leaving your vehicle in the middle of the road may lead to additional damage. If you are not able to remove your vehicle from the middle of the road, advise all passengers to buckle their seatbelts while waiting for help to arrive.
Exchange Drive Info:
Exchange information with all drivers who were involved in the accident. Information such as name, address, phone number, insurance company, policy number, driver license number, and license plate should all be documented. If the driver’s name is different from the name on the insurance, establish what the relationship is for the driver and the person whose name is on the insurance.
Use a camera to take photos of the collision and damage on both vehicles. The image should be able to provide context to the accident. If you notice of any witnesses around who saw the accident take place, ask for their information and their account of what happened.
File A Report:
Drivers should file a state vehicle accident report which is available at your local police station and are also often at the Department of Motor Vehicle’s website. A police report will help the insurance company speed up the claims process.
Understanding the details of your coverage can make the whole insurance process easier. A great example is in the event that you need towing services or a replacement rental car, it is better to know that your insurance policy covers these expenses before having to use them. Check your policy for additional information.