Being prepared helps ease the stress after a wreck. Here’s what to do at the scene, what information to collect, and what happens next. We hope you’re back on the road soon!
At the Accident Scene
- Ensure Safety First
- If no one is injured, move your car out of the road.
- If there are injuries or the other driver leaves the scene, call the police immediately.
- Obtain a copy of the police report for your insurance claim.
- If your car is undrivable, the police will call a tow truck. You can direct the driver to take your vehicle to a storage lot or body shop of your choice.
- Collect Essential Information
- Driver’s Information: Take a photo of the other driver’s insurance card and driver’s license. If they don’t have a card, ask for their name, phone number, insurance company, and policy number. Provide your information in return.
- Photos: Capture images of all involved vehicles, their license plates, and any visible damage. Include street signs and road conditions.
- Witnesses: Ask witnesses for their names and phone numbers.
- Details of the Accident: Write down the location, time, weather conditions, and a summary of events.
After You Get Home
- Contact Your Insurance Company
- Report the accident and provide all collected information.
- Obtain the name and contact number of the adjuster assigned to your claim.
- Keep Records
- If you sought medical attention, save all bills and records to share with your insurance company.
Getting Your Car Repaired
- While your insurance company might recommend body shops, you’re free to choose any shop you prefer.
- Carefully review any agreements provided by the body shop before leaving your vehicle.
- Your insurance company will give a repair estimate. If the shop determines additional repairs are needed, they will submit a revised estimate to your insurer. The insurer will cover the extra cost if they approve the updated estimate.
If the Other Driver Was at Fault
- File a claim with the other driver’s insurance company if you believe they caused the accident. Their insurance should cover your car repairs, medical bills, and a rental car.
- If the other insurance company refuses to pay or doesn’t pay the full amount, you can file a claim with your own insurance. Your insurer will attempt to recover the money, including your deductible, from the other driver’s insurer. Once recovered, your deductible will be refunded.
If the Other Driver Lacked Insurance or Fled the Scene
- Your collision coverage can cover car repairs.
- Medical payments or personal injury protection (PIP) coverage in your policy may pay for medical bills.
- If you have uninsured/underinsured motorist coverage, it will cover car repairs, rental costs, and pain and suffering. This coverage typically has a lower deductible than collision coverage.
By following these steps, you’ll be prepared and informed to navigate the insurance claim process smoothly.
Additional Tips to Make the Process Easier
- Stay Organized
- Keep all documents related to the accident in one place, including police reports, medical records, repair estimates, and receipts for expenses like a rental car.
- Record all communication with your insurance company and the other driver’s insurer, including dates, times, and the names of people you speak with.
- Understand Your Policy
- Familiarize yourself with the details of your auto insurance policy, especially coverages like collision, uninsured/underinsured motorist, and personal injury protection (PIP).
- Ask your insurance company about any policy features that might apply, such as roadside assistance or rental car reimbursement.
- Be Patient but Persistent
- Insurance claims can take time, especially if there’s a dispute about fault or damages. Follow up regularly with your adjuster and be proactive in providing any requested documentation.
- If you encounter delays or issues, consider speaking to a supervisor at your insurance company for further assistance.
- Know When to Seek Legal Advice
- If the other driver’s insurance company denies your claim or offers a settlement that doesn’t fully cover your expenses, consider consulting a personal injury attorney.
- Legal representation can help ensure you receive fair compensation, particularly in cases involving serious injuries or significant damages.
- Protect Your Driving Record
- Accidents can impact your insurance premiums. To minimize the impact, consider taking a defensive driving course or asking your insurer about discounts for safe driving programs.
What to Do If Your Claim Is Denied
- If your claim is denied by your insurer or the other driver’s insurer, request a detailed explanation in writing.
- Review the reason for denial and check your policy to ensure all relevant coverages were considered.
- You can file an appeal with your insurer or seek assistance from your state’s insurance department if you believe the denial was unjustified.
Staying Prepared for the Future
Accidents are stressful, but being informed and prepared can make a big difference. Consider these steps to ensure you’re ready for unexpected situations:
- Keep Your Insurance Info Handy: Store your insurance card and agent’s contact information in your car or phone.
- Have an Emergency Kit: Carry essentials like a flashlight, first aid supplies, a phone charger, and a notepad for recording accident details.
- Review Your Policy Annually: Make sure your coverage meets your current needs and includes protection for uninsured or underinsured drivers.
By staying calm and following these steps, you’ll navigate the post-accident process with confidence and get back on the road as quickly as possible.
