Being in a car accident can be frightening and overwhelming. However, remaining calm and being proactive will help you minimize the impact of the accident on your future. Below are some tips you can follow to protect yourself immediately after a car accident.
After you have made sure everyone in your vehicle is safe and you’re in a safe place, call 911 to alert the police and request emergency medical care if necessary.
Call Your Insurance Agent
As soon as possible, contact your insurance agent to report the accident. The sooner you contact your agent, the sooner the claims process will begin. Filing a claim right away ensures that you receive the benefits you need as quickly as possible.
Document the Accident
One of the best things you can do following a car accident is to collect as much evidence as possible. Be sure to document:
- Names – Write down the names of all people involved in the accident.
- Contact information – Collect contact information from other drivers, including the address and phone number if possible.
- Insurance information – Ask other drivers involved in the car accident for details about their car insurance coverage.
- Details about the accident – While it is still fresh in your mind, write down as many details about the accident as possible. These details may be helpful later if any questions or disputes arise during the claims process.
- The scene – If possible, take pictures of the accident scene to submit to your insurance company. Make the photos you take as clear and detailed as you can, and try to take pictures from more than one angle.
Be Careful When Talking About the Accident
Do not discuss the accident with anyone on the scene other than police and medical personnel. Be polite at all times, keeping your emotions in check. Be careful that you don’t admit fault to anyone on the scene.
Cooperate With the Police
When the police arrive on the scene, they will draft a report that includes details of the accident. To write this report, police officers will ask involved parties questions about the accident. Answer all questions clearly and honestly, but avoid admitting fault as much as possible. In most cases, police will give you documentation and/or details you can use to get a copy of the police report once it is available. Keep this information in a safe place.
Let Your Agent Guide You Through the Claims Process
The car insurance claims process can be confusing. However, your agent is trained to handle these situations and will be able to guide you through each step. If you have any questions or concerns throughout the claims process, call your agent to get the clarification you need.
Carrying an adequate car insurance policy is essential to protect yourself in the event of any car accident. Please contact BWO Insurance of Kenosha/Racine today to discuss your insurance needs.