What to Do After a Car Accident: A Complete Guide to Filing Your Auto Insurance Claim
While the immediate aftermath of a car accident can be confusing and stressful, there are important steps you should take to ensure everyone’s safety and to collect as much information as possible. This will help you to pursue fair compensation for your injuries and vehicle damage.
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Start by checking yourself and
your passengers for injuries. Next, get the name, address, insurance company,
policy number and license plate number from all drivers involved in the
accident.
Call the Police
The law requires that you call
the police after any accident that resulted in injury, death or significant
property damage. When you do, officers will come to the scene and create a
police report that provides essential documentation for your insurance claim or
any legal proceeding.
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The officer’s report will include
all of the relevant information regarding the crash, including the names and
addresses of the drivers involved. You should also ask the other driver for
their name, license plate number and insurance information, asking to see their
proof of coverage so that you can verify this information. Also, it is a good
idea to obtain the contact information of any witnesses as well as their
statement about what they saw.
Some people may be reluctant to
give this information to you, especially if they believe they are at fault for
the accident. If the other driver refuses to provide this information, ask the
police to arrive at the scene and force them to share it with you.
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Another reason to call the police
is that they can help keep the situation calm at the scene and protect your
rights. If the other driver is aggressive or confrontational, it is important
to have an officer present to handle all communication between you and that
person.
A police officer can also assist
with First Aid if necessary. This is particularly important if someone appears
to be seriously injured and needs medical attention. In addition, officers can
help you move vehicles if they are blocking traffic and prevent further damage.
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In some cases, police do not
respond to every accident scene, depending on the severity and location of the
crash (some cars are deemed “safe” to leave the scene). If this is the case
with your car accident, you should still call the non-emergency number of the
local law enforcement agency and let them know about the accident.
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It is important that you do not
admit any guilt or make statements that could be interpreted as accepting
responsibility for the accident. This can be used against you later to deny
your claim or limit the amount of damages awarded.
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