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1) Don't leave the scene.
2) Call for medical assistance if there are injuries.
3) Call the police- accidents over $1,000 should be
reported to the police. This is not per car, but for
the entire accident and all vehicles involved.
4) Drivers involved in a collision must now exchange
drivers license numbers
and pertinent insurance information in writing, as well
as, license plate
number and registered owner information. Please consider
this simple
tip - Keep paper and a pencil in the vehicle for this
reason.
5) All collision with personal injury must be reported
to the police and auto insurance company immediately.
Do not make statements to the other insurance company
involved until you have talked to your own insurance
company and adjuster.
6) If the collision doesn't involve personal injuries
police may direct motorists to a Collision Reporting
Center or local police station. Report to that Center
and provide all necessary details and get a copy of
the report for your records and your brokers records.
7) Never pay cash for a claim - to the other person
involved in the accident at the scene. Don't pay cash
to the tow truck driver without a receipt (you may be
reimbursed by the auto insurance company). Don't worry
about looking cheap - following this guide can help
you in the long run.
8) Look for witnesses. Record the names of any witnesses
who saw what happened. These people are very important
if your participation in the accident is questioned
at a later date. Preferably look for people that are
not in your car, but, were situated near the accident
scene at the time and saw what happened.
Remember - get a cheap auto insurance rate quote from
us so you can be protected in case you are in an accident.
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