5 Things to Do if You Get Into an Auto AccidentInsured by Carver
5 Things to Do if You Get Into an Auto Accident
Getting into an auto accident is one of the worst things you can experience as a driver. Not only do you need to worry about the physical and mental impact on you and any passengers, but also the impact it has on your vehicle, which probably needs extensive repairs or possibly even a replacement.
Thankfully, auto insurance means that you shouldn’t worry too much about the cost of repairs/replacing the car, especially if you weren’t at fault for the accident.
What exactly do you do in these situations? Here are 5 things to do if you get into an auto accident:
1. Call the Police
This should be the first thing you do in any type of auto accident, as a police report is an important component of any insurance claim, so you’ll want to contact the appropriate authorities immediately following the accident.
Tensions can run high in these instances, so it can be helpful to have police on hand to help manage the situation.
2. Get their Details
The first thing you want to get is the other driver’s auto insurance policy information. Even if they don’t have insurance you want to get personal details from the other driver, as you will need this information when dealing with your own insurance. Get their name and vehicle info, and if possible, ask any witnesses for their details should you need to pursue legal action or prove the other driver was at fault.
3. Take Photographs
You will want to take photos of your vehicle for insurance purposes. This also gives you the chance to take a photo of the other vehicle, including the licence plate, which might be the only way to get their information if the other driver refuses to cooperate. Take pictures of the entire scene, including both cars, the crash area, any traffic lights and signs etc.
4. Never Accept Money
There is a chance that the driver will offer you cash compensation, either because they don’t want to involve their auto insurance carrier for fear of increased rates, or because they don’t have any auto insurance at all. It may seem appealing, especially if the damage appears minor, but never accept the money as you have no idea the extent of the damage to the car or any injuries you may have sustained.
5. Check Your Insurance for Uninsured Motorist Coverage
When involved in an auto accident where the other driver does not have insurance, you will need to make the claim with your own insurance provider. Thankfully, auto insurance policies often come with an optional coverage called uninsured motorist coverage, which basically covers you against damages in this exact situation.
This type of coverage is mandatory in some states, meaning you might already have it, while it is an optional coverage in most other states (including California), and some of these states require insurance providers to at least offer the coverage. So, be sure to check your insurance policy to see whether you have uninsured motorist coverage included.
If you haven’t been involved in an accident yet and don’t have this coverage, now is the time to get it, as it is the best protection you can get against an uninsured driver.
Carver Insurance Services, Inc. is a local insurance agency that has been serving residents and small businesses in Murrieta, Temecula, and surrounding areas since 2004. Started by Diana Carver; a second generation insurance broker with over 25 years experience, when after working for several insurance brokerages, Diana felt the need for a brokerage that was efficient and progressive, while still keeping that “hometown” feeling.
Carver Insurance Services, Inc.’s goal is to help you determine what insurance needs you have, meet those needs, and then help you prepare to meet future goals. The Carver Insurance Services, Inc. Family and its agents would love for you to stop by one of their two convenient locations for a free insurance quote or just to say, “Hello!”
For more information, give Carver Insurance Services, Inc. a call today to talk to a friendly, helpful agent.
Carver Insurance Services, Inc.-Temecula
33321 Temecula Parkway suite #102, Temecula, 92592