Everybody gets into a fender bender sometime in their lives. But driving with car insurance can take some of the headache out of the situation.
When you have your first car accident, it can be traumatic. In all the confusion, you can make mistakes or be unsure what information to gather. To avoid such problems, it’s a good idea to learn beforehand what to do in case of an accident.
If the accident is a minor one and no one is seriously injured, go ahead and move the vehicles from the road. This is especially important if the accident occurred at a busy intersection. Leaving the cars on the road possibly can cause more accidents and injuries.
Don’t forget to turn on your vehicle’s 4-way flashers to warn other vehicles of the accident. Call the police as soon as possible. The police may or many not arrive. It depends on the severity of the accident and the policies of the local municipalities. Always get a police report if you can. Insurance companies rely on police reports for valuable insight into the cause of the accident.
Next, be sure to exchange contact information with the other driver. Take down his name, phone number, insurance company, policy number, driver’s license number and license plate number.
It may also want to write down the make, model, year and color of the other vehicle. When you speak to the other driver, don’t admit fault in the accident. The police make that decision.
If you have a camera or camera phone, take a few pictures of both of the vehicles from various angles. Call your insurance agent as soon as you can and give them all the information you’ve amassed.
These precautions can make getting through an accident less stressful. It will make what comes next go more smoothly and let you breathe a little easier.
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