We strive to adhere to every best practice outlined in traffic rules to get to our destinations safely. But because we cannot project what the next moment holds, all we need is to equip ourselves with the relevant safety measures that we can apply in case of a misfortune.
So now, imagine a case where you have encountered a car accident, and luckily, nobody has suffered injuries—only your cars got damaged. What immediate measure should you take? Read the best tips from our professional claims adjusters.
Dial 911 to Inform the Police
The law dictates you should inform the police before engaging anyone else. They will settle any disagreements you may have, collect relevant information, and formalize your case.
Contact Your Agent
Once you’ve informed the police, contact your agent to let them know of your accident. Your agent can answer many of the questions you might have, get you set up with a rental car if needed. They can also notify your insurance company of the possibility of a claim.
Document All Relevant Information Right at the Scene
Documentation and full details are always why an individual gets compensated (even when it was their fault). Yet, another party is not (even when they were innocent). So the bottom line is—how convincing is your evidence?
So, here are three quick steps to help you do that efficiently.
- Collect driver and passengers’ details
When presenting your claims request to your insurance company, it is imperative to attach all details of the other parties involved. Now, the only opportunity to collect that information is before you leave the scene. The law expects you to share details—because you all need compensation from your respective insurance companies. That means you will also have to share yours.
However, if the other parties are unwilling to cooperate, you can get a copy from the police officers. Also, remember to note down the badge number of the police officers for easy follow-up in case your insurer demands so.
- Record using a video or photographs
Visual evidence can not be mistaken. It convinces more than your verbal self will do. Therefore, capture all damaged areas around the cars, messed up spots in the scene, and perhaps any injuries you suffered. When taking photos, be sure not to interrupt the police. In case they forbid cameras, please do so when they leave.
- Jot down all incidences
The photos are great, and the videos are fantastic. But what about the verbal communication you do? Well, perhaps a phone recording will do. However, we highly recommend that you note down the key points that the other parties say—for future reference. These are the tips that will help you compile a report if your insurance company asks you to do so.
Address Everyone Courteously
All tough incidents put your emotions under the test, and so does a car accident. As you may have noted, this is a process. And processes require patience and sound judgment. So, watch your reactions, but be sure not to admit mistakes.
Any Way You Can Help the Police? Please Do!
Again, action will always be louder than our verbal self. Cooperate with the police as much as possible, but watch out not to admit fault.
Don’t Give Up! Our Agents Can Help!
How we have described the process could seem pretty straightforward. However, in real life, there are many variations. Sometimes it may overwhelm you if you don’t have the right support team. However, it does not have to get there. At Feivor Insurance Agency we have a competent team that will walk you through the entire process. Just let us know your concerns today, and we will guide you appropriately.