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Car Accident

What to do in the Event of an Auto Claim

Being in an accident can be a very unsettling experience. Even if you haven’t been in a car accident yourself, you likely know someone who has and through their experience I’m sure you could imagine how devastating it can be.

The following list taken from The Commonwell Mutual Insurance Group may help you if you are ever involved in a car accident providing you are not badly injured yourself:

  • Remain Calm and check for injuries to yourself and others.
  • Do whatever you can to ensure everyone is safe and don’t forget to watch out for approaching vehicles.
  • Contact the police right away and follow their instructions.
  • If you do not feel comfortable discussing the accident with others who were involved, remain in your car (if it’s safe to do so) and wait for the police to arrive.
  • If no one is injured and your vehicle is still driveable, carefully move it off the road away from traffic.
  • Get the name, address, phone number and driver’s license number of the other driver, as well as the name of their insurance company and policy number. Also get the make, model and license plate number of the other vehicle.
  • Get the names, addresses and phone numbers of all witnesses.
  • Get the name of the investigating police officer, his or her badge number, the detachment and phone number.
  • Do not discuss the accident with anyone other than the police or representative of your insurance company, and don’t admit fault for anything. Fault determination is the insurance company’s responsibility, not yours or anyone else’s.
  • As soon as possible report the accident to your insurance broker. You can do that here.
  • Do not authorize vehicle repairs until you’ve spoken to your claims adjuster.

Again this is only for a reference and we certainly hope you never experience an auto claim. As good measure here are some basic driving/vehicle tips:

  • Always wear your seatbelt.
  • Lock all your doors
  • Never, ever, drink and drive.

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