Even though car accidents occur more often during wintertime, the steps you need to take following an accident stay the same year round. Most people are emotionally distraught after a crash, so it is essential to know ahead of time what it is you need to do and what questions you may need answered. The following checklist will assist you with this process. Take a look at it now, and consider printing off a copy to keep in your glove compartment for future reference.
Analyze the damage of the vehicles and injuries of those involved.
Remain as calm as possible. Panicking can cause others to feel uneasy, which will only worsen the situation. Someone that is thinking straight and can make rational decisions needs to determine the amount of damage incurred and harm inflicted upon drivers and passengers that could require instant medical attention.
File a report with law enforcement.
Even if it is a minor fender bender, all accidents should be reported to the police. Never leave the scene until authorities complete the report.
Only discuss the events that transpired with the police.
With all parties stunned over the accident, it can be difficult not to discuss what just unfolded amongst the group. However, talking about the incident can confuse people, and details may become distorted. You should minimize any conversation regarding the crash, and absolutely do not admit any fault or wrongdoing. Address the situation with no one but the police and a personal insurance agent.
Gather all pertinent information about the other parties involved.
This is the step most people realize they have to do, but they often get preoccupied and forget to do it. Try to obtain all of the following details from everyone involved if possible:
Contact your insurance agent.
Call your insurance agent or the company’s toll-free number as soon as possible—even at the scene with the police present if it is conceivable. Chances are, the law enforcement officer will be able to provide the insurance company with more precise details as opposed to your account, which may be slightly misconstrued. Filing a claim in this manner will expedite the total time is takes for your claim to be processed.