Know how to handle your car accident.
Over six million car accidents occur each year in the United States. The good news is that most of them involve only property damage, but one in three accidents involved personal injury. With two out of every ten accidents leading to fatal injuries, it’s essential that drivers know how to handle a car accident – as well as safe driving habits!
Stop. If you’re in the position where you and the cars involved can pull over, do so safely. Ideally, you want to aim for the right side of the road or a parking lot. Always stop, even if it’s a minor accident.
Call emergency services. If anyone involved in the accident is injured, call 911 immediately and request assistance. While you’re at it, prevent further accidents by setting up flares or turning your hazard lights on.
Make an accurate record. When the police arrive, make sure to tell them exactly what happened, to the best of your ability. If you don’t know certain facts, inform the investigating officer. You should also make sure statements made by other people involved in the accident are accurate as well.
Take pictures and notes. Photograph the damage to your car, the involved vehicles, and write down as much information as you can, such as the time, date, location, driver’s involved, license numbers, insurance information, and contact details.
Report the accident. Notify your insurance company as soon as possible. Many policies require immediate reporting and full cooperation. Let your insurer know that you were involved in a car accident, and they will handle it from there on out! Typically, they will ask for details, and may send a claims adjuster to inspect your vehicle. After inspection, you’ll be sent a settlement offer, to which you’ll pay the deductible and the insurance policy will provide for the remaining balance.