Being involved in a car accident can be a stressful situation. knowing in advance what to do can always help make the experience less stressful. The following is a list of steps to follow in case you are in an accident.
Step 1: Stay Calm. Take care of anyone who is injured
- Call 911 for an ambulance. Provided it is a serious accident.
- Turn off the vehicle and do not smoke or place flares near the car.
- Make sure everyone in your vehicle is okay. Don’t move anyone that is injured unless it is absolutely necessary to get them away from fire or passing traffic.
- Do not move your car if there are injuries, fatalities, extensive damage, any fuel or other liquid leaking or passing traffic.
Step 2: If the damage is major, report the accident to the police.
- Always report an accident to the local police if you estimate that the total damage to all vehicles involved exceeds $1,000 or there are injuries.
- If there are no injuries and damages are minimal, there really is no need to call the police.
- If you can drive your vehicle and you can do so safely, try and a move it as far away as possible from moving traffic. A parking lot, shoulder of the road are some examples of where to move it. If you cannot move the car safely, leave it where it is, turn on your hazard lights and use safety cones if you have them.
- You may have to tow or drive your car to a collision center.
Step 3: Gather information from everyone involved in the accident.
- Get the contact information of everyone involved. This includes names, addresses and phone numbers, passengers, witnesses, pedestrians, and anyone with injuries.
- Make sure and write down the license plate numbers of all vehicles involved.
- If possible, find out the insurance company and policy number for each vehicle involved in the accident.
- Record information gathered on the Driver/information Tab.
- Do not give a statement or sign any documents unless your broker or police ask you to.
- Do not admit responsibility or agree to pay for anything.
Step 4: If you cannot drive your car, contact your insurance broker and call for a tow truck.
- We recommend that you have your vehicle towed to your local garage or police compound for secure storage.
- If you are unsure about where to take your car for repairs, call your broker. Call us anytime for information
- Don’t forget to remove all valuables from your vehicle.
Step 5: Getting you home.
- Take your vehicle home only if it is safe to do so.
- If your vehicle must be towed and you have coverage for transportation replacement, you may be reimbursed for renting a car or taking a taxi home. Remember to keep your receipts.
- When you are able to do so, speak with your broker to confirm your coverage.
Being in an accident is something none of us want to experience. However, these things do happen and we want you to be prepared. If you need further assistance please contact our claims department.