More than 5 million automobile accidents occur each year, nationwide, according to the National Highway Traffic Safety Administration. If you were involved in an accident, would you know what to do and what information to obtain in order to set up an insurance claim? Well here are some helpful hints and tips for you to do following a crash.
1) Be Prepared - this means that before you hit the road, it is important that you understand your automobile insurance policy and the coverage that you have. Your automobile insurance follows the vehicle, not the driver. Therefore; it is important that you carry a current insurance card in the car along with the registration to your vehicle. If needed, have your insurance agent explain all the coverage you have and the specific elements included in our policy. Such things as: your deductible, collision coverage, what your liability coverage limits are, Personal injury protection or medical payments coverage, uninsured and underinsured limits, etc. All these items help protect you when you are involved in an accident and the other driver is held at fault or responsible for the collision.
2) After you are involved in an accident, it can be a hectic and stressful situation. It is sometimes difficult to remember what to do, but the most important thing is to obtain the following information from the other person or persons involved in the accident: their name, their insurance information; which should include; name of the insurance carrier and policy number.
3) The following should be done immediately after the accident occurs:
- Assess the scene and try and remain calm.
- Call the police and inform them of any injuries. If the police cannot be immediately dispatched to you, make sure and file and incident report over the phone.
- Do not admit fault at the scene. Be courteous to the other party, but do not admit fault.
- Take photographs of the damage to all vehicles involved and damage to any property surrounding the area.
- Exchange your name and insurance information with the other party; and
- Obtain the names and contact information for any witnesses.
4) Filing a Claim - It is important to file a claim with the insurance company as soon as possible. It is at this time that details of the accident are still fresh in your mind. When you make the initial call to your insurance carrier make sure and have all the information you obtained from the other party, witness information and if available; the incident or police report number, so that a copy of the police report can be obtained. Once the claim has been set up you will be given a claim number and the contact information for the representative assigned to your claim. Your insurance company should be able to contact the other insurance company involved and establish liability. Once it has been determined who was at fault for the accident your property damage can be taken care of. You will be given information for body shops and collision centers the insurance company deals with directly, if not you can chose your own shop, but it must be certified and have all the proper licenses to operate. A rental vehicle may be given to you, depending on the coverage, while your vehicle is being fixed. If your vehicle is deemed a total loss you will have the option of keeping your vehicle as a salvage or to turn over your vehicle to the insurance company. The choice is yours. As far as your medical expenses and treatment, that is covered by the at fault insurance carrier. Make sure and keep copies of all medical bills, records, prescription receipts and any other out of pocket costs you may have to submit to the insurance company so your claim can be properly examined.
5) Retain an attorney that specializes in automobile accidents and personal injury cases. Once you obtain an attorney they will handle all aspects of your claim directly with the insurance company. Your only job, after you obtain an attorney, is to get better, get the proper medical treatment and make sure you reach maximum medical improvement.
When a person is involved in an automobile accident and is injured, it is important to seek the aid of an experienced attorney. It will be the attorneys' responsibility to get you the best possible monetary settlement in order to cover all your medical expenses and compensate you for your pain and suffering. So, when you have been involved in an automobile accident, make sure and contact our office and we will do all we can to get you the best possible result.