Even a minor car accident can be stressful and upsetting. That’s why your insurance company is there for you - to help make the aftermath go smoothly and take care of any problems.
Learn what to do after you’ve been in a car accident and get expert advice from Andrea Turner, Block Insurance Agency customer service agent.
What to Do Immediately After a Car Accident
The first thing you should do is call 911, especially if there’s an injury or death.
“Call 911 before you call anyone else,” Turner said. “Don’t call your insurance agent until you’ve talked to the police, and never admit fault.”
It is the responsibility of the police and your insurance company to determine who’s at fault for the accident.
Next, remain at the scene of the accident - never leave until you’ve talked with the other people involved and the police.
“You want to stay there and get as much information as possible - the name, address, phone number, insurance info. That all plays into effect with the claim. You can even take photos of the car,” Turner said.
Even saying things like “I’m sorry” can be seen later as an admission of fault, so stick strictly to the facts when you talk with the other people involved in an accident.
Hear more tips from Turner in this video:
Reporting a Claim to the Insurance Company
After you’ve discussed the details of the accident with the people involved, your next step is to contact your insurance agent. They’ll walk you through the claims process and help you move on to the next step.
After a claim has been reported, an insurance adjuster will be assigned to the claim and will contact you within a day or so of the accident. They’ll walk you through the steps of getting your car repaired and what it takes to move forward with your claim, including dealing with any medical bills.
Although some people are worried about what to say if the other person’s insurance company contacts you, Turner advised simply providing them with the details.
“If the other party’s insurance adjuster tries to contact you, that’s great. They’re probably going to collect your information - your name, your address, your phone number, details about the accident. That’s fine to do and you want to give them that information,” she said.
Even if the other person involved in the accident doesn’t have car insurance, you can contact your own insurance company and report the claim.
How Can I Make Sure I’m Prepared In Case of an Accident?
The best way to make sure you can handle a car accident is by preparing beforehand. Turner suggested two tips to be sure you aren’t caught unprepared.
First, review your insurance declaration pages - sheets that summarize your policy and limits - to be sure your coverage is accurate. You typically receive new pages every six months to one year.
“The best thing to do is review those with your agent. If you have any questions, call,” said Turner.
Next, keep your current insurance ID card with you at all times. This is the latest one your insurance company has sent to your upon renewal - not an old one, because the policy expiration date will have already passed.
Car Insurance Help from Block Insurance
Rest assured that if you’re ever in a car accident, Block Insurance is there to help.
“We’ll walk you through all the steps and get you to where you need to be with your adjuster,” said Turner. “We can get you on your way to either getting a new car or getting yours repaired or fixed.”
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