After the accident, stop your car, and if there are injured calls for help immediately and follow the insurance claim process for car accidents.
Call the police. Inform emergency personnel if there are injuries, how many people, and the type of injuries. The police will be in charge of notifying the nearest medical unit.
Help the injured but do not move them, as this could aggravate their condition. Many times the only thing you can do for someone injured is provided support and company, and if it is within reach, a blanket, blanket, or some type of coat to keep them warm.
When the police arrive, give as much information as you can; and if it is a crash, get a copy of the police report or survey of the crash; If you don’t have it, find out where you can get a copy because you will need it to make your insurance claim.
Find ways to protect your car and your safety at the scene of the accident. You can post signs to divert other drivers, move the vehicle to the shoulder of the road, or call a tow truck. If your car is towed, ask the tow truck to take it directly to the shop that is authorized by your insurance company to do the repairs.
Make sure they don’t start making repairs until an expert inspects the damage, so the insurer can calculate what the damage an issue order is for repair or compensation.
While at the scene of the accident, take notes of what happened, the names and addresses of the people involved, the police officer who took the case, witnesses to the accident, and of course, the person who is involved in the crash. Write down the description and license plate of the car or cars involved.
If the collision occurs while the other vehicle was parked and without its owner, be sure to leave the contact information for the other driver. If you have a camera on hand, take photos of the accident.
And when claiming the insurer, follow the auto accident insurance claim process:
Contact your insurer or insurance agent as soon as possible
Regardless of whose fault the accident was. Find out if you are covered for the type of damage you have suffered; Even though these may seem small, you must inform your insurer of the incident.
Ask your agent or company representative how to proceed and what forms or papers you will need to document the claim. The insurer will ask for proof of the claim and if there is a police report, a copy of it. Today it is increasingly common for insurers to have systems that allow you to monitor the progress of your claim with internet access.
Provide the company with the documents they request
Fill in the documentation carefully and keep a copy of everything for your records. You must have good documentation of what happened, of all receipts for expenses related to the accident and of the people (names and phone numbers) involved in it.
Ask your insurance agent the following questions
What is the time limit, if any, for me to file a claim with the company and deliver the related invoices? What is the time limit in which claims disputes will be resolved? How long should you wait for the insurer to contact you back?
Do I need to get repair estimates for damages suffered? The policy coverage includes or does not include payment for a rental car while your car is being repaired; and if so, how much rental car coverage is included? Each state has its laws that govern how insurers must process claims.
Having an automobile accident can be traumatic and confusing; it is, therefore, useful to know what to do immediately after such an event. Understanding how your insurer will handle your claim can also give you some peace of mind.
What other things to do
Safety must come first. Move your vehicle to the shoulder or the side of the road, and activate the hazard warning lights so that other motorists can see your vehicle. Once your vehicle is in a safe place, you and your passengers should get away from the road.
If someone else is involved in the accident, be courteous, but do not discuss the accident with them. Only tell the details of the accident to the police when asked.
If another driver is involved in the accident, be sure to get their contact information, as well as information about their vehicle and auto insurance policy. Note the date, time, and location of the accident. If the accident is reported to the police, obtain the name and registration number of the police officer responsible for the investigation.
Talk to witnesses and get their names and contact information in case the adjuster needs to contact them later.
Picture of the accident scene using your smartphone. Take pictures of your vehicle and other vehicles involved, if any, as well as the surrounding area, including traffic lights and weather and road conditions.
Contact your insurer and provide all relevant information, including your photos, so it can begin the compensation process.
Once you have notified us, the claims handler will be assigned to you. He will walk you through the steps and explain what to expect during the compensation process.
Your claims handler will ask you for all the information about the accident, including that of the police report or the amicable report, to know the circumstances of the accident.
An official from the insurance company will review the details of your insurance policy to inform you of the benefits to which you are entitled and the deductibles that apply if any.
Experts who will be able to inspect your vehicle and assess the damage. For claims related to minor damage. If your vehicle can be repaired, your claims handler will give you a list of recommended shops where you can have your vehicle repaired.
If your vehicle cannot be repaired, the appraiser will provide your adjuster with a detailed report which will indicate the market value of your vehicle. Once the necessary repairs have been made, including the replacement of any damaged part, your insurance agent will contact you to discuss the next steps for settling your claim and closing your file.
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