What to do after an auto accident
Accidents happen, even to the safest drivers. Knowing what to do immediately after an accident can make a significant difference in how the situation is handled and can protect you from potential issues down the road. At Landheer/Workman Agency, we’re committed to helping you navigate the aftermath of an accident with confidence. Here’s a step-by-step guide to follow if you’re involved in an accident.
1. Ensure Safety First
Immediately after the accident, prioritize safety:
• Check for Injuries: Make sure everyone involved is safe. If there are injuries, call 911 immediately.
• Move to a Safe Location: If possible, move your vehicle out of traffic to prevent further accidents. Turn on your hazard lights to alert other drivers.
2. Call the Authorities
Even if the accident seems minor, it’s important to involve the police:
• Contact the Police: A police report can be crucial when filing an insurance claim. The police will document the scene and gather information from all parties involved.
• Provide Accurate Information: When speaking with the police, be truthful and concise. Avoid admitting fault, as this will be determined by the insurance companies.
3. Exchange Information
Gather essential information from the other driver(s) involved:
• Get Contact Details: Exchange names, phone numbers, and addresses with the other driver(s).
• Insurance Information: Get the name of their insurance company, policy number, and agent contact information.
• Vehicle Details: Note the make, model, color, and license plate number of the other vehicle(s).
4. Document the Scene
Collecting evidence at the scene can help with your insurance claim:
• Take Photos: Use your phone to take pictures of the damage to all vehicles, the accident scene, and any visible injuries.
• Note the Conditions: Write down the time, date, weather conditions, and any other relevant details.
5. Notify Your Insurance Agency
After leaving the scene, contact your insurance agency as soon as possible:
• Report the Accident: Provide your insurance agency with all the information you gathered, including the police report number if available.
• Discuss Next Steps: Your insurance agent will guide you through the claims process, including how to get your vehicle repaired and what to expect regarding coverage.
6. Seek Medical Attention
Even if you feel fine, it’s wise to see a doctor after an accident:
• Check for Injuries: Some injuries, like whiplash, may not be immediately apparent. Getting a medical evaluation can help identify any issues early.
• Document Your Visit: Keep records of any medical treatment related to the accident, as this may be important for your insurance claim.
7. Keep Records
Maintain a file with all accident-related documents:
• Store Important Documents: This includes the police report, medical bills, repair estimates, and correspondence with your insurance agency.
• Track Your Expenses: Keep a record of any out-of-pocket expenses related to the accident, as these may be reimbursable.
8. Follow Up with Your Insurance Agency
Stay in touch with your insurance agency to ensure your claim is processed smoothly:
• Communicate Regularly: Keep your insurance agent informed about any new developments or additional costs related to the accident.
• Review Your Policy: After the claim is settled, consider reviewing your auto insurance policy with your agent to ensure you have the coverage you need for the future.
Conclusion
Dealing with an accident can be stressful, but knowing what steps to take can make the process easier. At Landheer/Workman Agency, we’re here to support you every step of the way. If you have questions about your auto insurance coverage or need assistance after an accident, don’t hesitate to contact us. We’re more than just an insurance agency; we’re your partner in ensuring peace of mind on the road.
Print out this BROCHURE and keep it in your car to be prepared in the event of an accident.