Knowing what to do if you are involved in an accident can save lives and also make the claims process easier.
- Stop your car and find out if anyone is
injured.
- Call the police or highway patrol. Tell
them how many people were hurt and the types of injuries.
The police will notify the nearest medical unit.
- Cover injured people with a blanket to
keep them warm.
- Try to protect the accident scene. Take
reasonable steps to protect your car from further damage,
such as setting up flares, getting the car off the road and
calling a tow truck.
- Ask the investigating officer where you
can obtain a copy of the police report. You will probably
need it when you submit your claim to your insurance
company.
- If necessary, have the car towed to a
repair shop. But remember, your insurance company probably
will want to have an adjuster inspect it and appraise the
damage before you order repair work done.
- Make notes. Keep a pad and pencil in your
glove compartment. Write down:
- the names and addresses of all
drivers and passengers involved in the accident.
- license plate numbers
- make and model of each car
- driver's license numbers
- insurance identifications
- names and addresses of witnesses
- names and badge numbers of police officers or other emergency personnel.
- the names and addresses of all
drivers and passengers involved in the accident.
- If you run into an unattended vehicle or object, try to find the owner. If you can't, leave a note containing your name, address and phone number. Record the details of the accident.