Auto Accidents

images-6.jpegAuto accidents are always surprising and seem to happen when you least expect them.  An accident leaves drivers stunned and shocked, and often people aren’t sure what to do first.  What steps should you take right after an accident, when your adrenaline is pumping?  Read on.

Obviously, the first thing to do in the case of an accident is make sure everyone is OK.  A 911 call should be placed immediately if help is needed.  In addition, call the police regardless of if any one is injured.  Also, place a call to your road service program.

The next thing to do is to call your insurance agent.  They will give you advice about exchanging information with the other motorist and making a survey of the scene.  Be careful not to admit fault at the accident, it is up to the insurance companies to decide who is at fault.

Also, you should take notes of details at the scene of the accident that you might forget later.  It can help to take pictures of the scene.  Many cell phones these days are picture phones, which make it convenient to snap a few quick pictures.

Read your insurance policy to file your claim within any time limits.  Many times if damage exceeds $750 you have to file a SR1 form, which you can find on your state DMV website.

Of course nobody wants to be involved in a car accident, but it happens to all of us.  Knowing what to do is essential.  Make sure you have the numbers of your insurance company and emergency roadside assistance program on hand so you aren’t searching for information at the scene of the accident.  This will alleviate some unnecessary stress.