No one wants to think about being in an automobile accident. But whether it is a fender bender or a real smash-up, having the steps you need to take laid out for you can make the process of moving forward much easier. Put this action guide in your car’s glove box. Hopefully you will never need it, but take comfort in knowing it’s there if you do.
- Drive your car to a safe place if you can.
- Turn off the engine and turn on the hazard lights. Leave the hood in the raised position.
- Take a few deep breaths.
- Call the police and provide them with your location and an explanation of what happened.
- Check yourself for injuries. In the adrenaline of the situation, you may not realize right away that you need medical attention.
- Call 911 if medical attention is needed, either for you or another person.
- Only leave your car if/when it is safe to do so.
- Do not admit fault for the accident to anyone. It is best if you only discuss the details of what caused the accident with the police, and later, your insurance agent.
- Exchange information with other drivers involved. Get names, addresses, driver’s license numbers, phone numbers, email addresses, employer information, insurance company names, policy numbers, VIN numbers, license plate numbers and vehicle makes/models.
- Get names and contact numbers of witnesses.
- Document the scene as much as possible with photos and videos. Take pictures of the other people involved in the accident, along with the entirety of the physical scene of the crash.
- Make sketches of the situation before, during and after the accident.
- Write down your take on what caused the accident and what transpired. Include date, time, weather and locations. If another driver has admitted fault, write down the quote as accurately as you can.
- Ask the police how you can get a copy of the police report.
- Write down the name and badge number of the police officer(s).
- If no police come to the scene of the accident call the local police to learn how to fill out an accident report.
- Call a tow truck.
- Start a folder of information relating to the accident. Document all conversations you have from here on out and keep records of all paperwork.
- Consult with legal counsel experienced in handling auto accidents.
- Report your claim to your insurance company. Have handy your insurance policy information, the police report and your documentation from the scene.
- Ask the insurance company representative for a detailed breakdown of what will and won’t be covered by your policy in this matter.
- Arrange for repairs if applicable.
- Secure a rental vehicle.
- Schedule a doctor’s appointment if you haven’t had medical attention yet.
Accidents are traumatic enough in themselves. You don’t need the extra stress that can come with trying to figure it all out as you go. Keep this list with you can follow it the best you can in the minutes, hours and days following the crash.
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