Everyone dreads it. An auto accident. Even if it isn’t your fault, being in an accident just isn’t fun, enjoyable, and the consequences can go on for a long time. But, if you are a driver, no matter how safe or how focused you might be, there are certain things you cannot control including animals, other drivers, and weather. Don’t worry though. American Heritage Insurance Group is here to help you with this 4 Point Checklist for Auto Accidents from Property Casualty 360.
Steps to Take After an Accident
- Assess the Damage – Only do this if all parties are safe. It is best to document damages on paper and with photos.
- Call the Police or Highway Patrol – If you are in an accident, inform the police or highway patrol. It will help solve disputes that end up in court. If you notice anyone is seriously injured, perform this action first.
- Collect as much Information as Possible – Sometimes police aren’t needed or if it’s a small fender bender, you might just need to exchange information. Either way, make sure you ask, find answers, and record all of the information you could need. This might include the officers’ name(s), badge number(s), driver(s) license/registration/insurance ID, make and model of vehicles involved, license plates, location, time, day, and weather conditions.
- Start the Claims Process Immediately – Don’t wait to call your agent because this can cause inaccuracies in your claim. During the claim process also record the name, number, and other contact information for whom you are speaking to. Include copies of all the information you have documented.
III recommends that a large but often forgotten piece of advice is to be objective. Don’t immediately blame the other party. Instead share your information just as you are asking them to share yours. If you blame the other party, it might cause issues on the scene such as arguments/fights.
We hope these steps will make an accident as smooth flowing as possible. Be safe and aware.
Sources: Property Casualty 360