10 Simple Steps
If you're injured, call 911 or ask someone else to do so. If you're seriously injured, try not to move, and wait for emergency personnel. Do not admit fault to anyone.
If you're not too hurt to move, check on the other passengers in your car. If anyone's injured, get on the phone with emergency services or ask a bystander to call for help.
If you're able to, move to the side of the road or a sidewalk. If your car is safe to drive and is causing a hazard where it is, pull it to the side of the road. Otherwise, leave it where it is and get yourself to safety.
Whether an accident is considered a minor fender-bender or a major collision, calling the police is important — and in some states, it's legally required. The responding officers will fill out an accident report and document the scene. If the police can't come to the scene of the accident, you can go to the nearest police station and complete a report yourself. When you file a claim with your insurer, they may ask for a copy of the police report to help with the claims process.
Turn off your engine, turn on your hazard lights and use the road flares in your emergency car kit to warn other vehicles to slow down.
After making sure you and any passengers are uninjured, exchange contact and insurance information with the other driver. This is the most important information drivers should exchange after an accident:
Avoid discussing fault when going over the facts with the other driver. When you file an insurance claim, the adjuster reviewing your claim will determine who's at fault based on an inspection of the vehicles/property damaged, information provided by you and the other parties involved in the accident, and any supporting documentation, like the police report or photographs from the scene.
In order to help protect yourself, take the following steps:
You may want to call your insurance agent while you're at the scene. That way, they can tell you exactly what they will need to in order to process your claim and what to expect during the claims process.
An accident can leave even the most seasoned driver frazzled, but following these steps may help protect you from unnecessary worries. That way, you can focus on working with your insurance company to get your vehicle repaired as smoothly and as quickly as possible.
It’s important to consult an attorney whenever you have an accident. If you need assistance, Village Medical Injury Care may be able to help by providing you with the contact information for an attorney.
Even if you don’t feel injured, get to a medical facility for a post-accident check-up. Remember that you have only 14 days from the date of the accident to have a check-up. Finally, if you need non-emergency medical care, contact Village Medical Injury Care to schedule an appointment ASAP.
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