Whether you have been in a car accident before or not, it can be jarring and stressful to find yourself in that kind of situation. Here’s a quick guide to help you after the event, and tips on how to gather the necessary information for insurance.
- If you’re able, move your car out of traffic and onto the side of the road. This will help keep you safe from any other vehicles passing by and also make it easier for emergency services to reach you. Turn your vehicle off and move away right after in case of any engine issues that could cause a fire.
- Check over yourself and anyone else in the vehicle to see if medical attention is needed. Call 911 to report the accident. If it’s safe, go over to the other vehicle to see if they need assistance.
- Exchange insurance and contact information with the other involved party. Take your own notes such as the location, time, and road conditions during the accident. These will all help with your insurance claim. You should also write down the badge number of the police officer and the police report.
- If you have time, take photos of the damage done to your car. You should not use them for an instant insurance claim, since there’s a high chance the vehicle has suffered unseen damage, but it can also be useful for when you call your insurance.
- Call your insurance and give them all the information you gathered. They can start the claim and give you any other instructions your policy might require.
- Contact a local, trusted autobody shop. They can also help you with your insurance claim if you are not completely sure how to handle it. You are allowed to go to any autobody shop for your repairs; an insurance company might have a recommended list, but that does not mean you’re required to go to one of those shops.
There are also times when the owner of the car is unable to drive, or you are driving someone else’s car, and an accident occurs. As long as you gave the person permission to drive your car, or they’re included on your insurance policy, your insurance should still cover the costs. Reference your insurance policy or call your provider to be sure your insurance covers this instance.
If you are in the Eastern Twin Cities suburbs and needs autobody shop after an accident, Crossroads Collision can expertly take care of your autobody needs, help with insurance, and organize a loaner car.