When you get into a car accident, there are some important things you need to do to protect yourself.
First, always stop if you are involved in an accident, no matter how small. This is your legal obligation. Even if you don’t think there’s any damage, you should stop your car every time you collide with something.
Then, while you are at the scene of the accident, you must not admit that you were guilty of the accident to the other people involved. Your insurance company’s adjuster will investigate and determine the error. Your insurance policy is a contract, and your contract for your insurance with your auto insurance company states that you should not assume any responsibility or liability under these circumstances.
What to Do at a Car Accident Crime Scene
There are many ways to avoid a car accident, but once it occurs, you need to know what to do and what questions you may need to ask. Other people involved to file your claim. This checklist will help you know what to do after a car accident and what questions to ask.
It’s a good idea to review it now, print it out, and keep a copy in your car so you can access it if you are involved in an accident. You can even bookmark this article on your phone.
See if There’s Any Damage or People Injured
Check to see if anyone needs urgent medical care. If you can, try not to move the car unless it causes a big problem with traffic. If you can, wait for the police to arrive before moving the car.
Call the police
Even in a small fender bender, it is very important to make sure there is a legal accident report.
The police may not always be able to come, but if they do, you should file a police report.
Limit Your Event Conversations With Others
You will want to limit talking about the accident with other people at the scene and not admit guilt or responsibility. You should only discuss accidents with the police, other first responders, and your insurance representative.
Get Your Car Accident Facts
You may know that getting some important facts on the scene is very important, but some people forget because stress from a car accident.
You must obtain the names, addresses and phone numbers of the other people involved in the accident. Record other car details, including the brand, model and license plate. You should also get their insurance details and their car’s vehicle identification number (VIN) if you can. Below is a comprehensive list of how to collect information.
Car Accident Information Checklist
Here are the things you will need to be able to file a proper insurance claim:
- Details of what happened.
- Details about the driver.
- Details for insurance.
Learn more about each of these items and how to collect them below.
1. Car Accident Form
The best way to prepare for a car accident is to make sure you have a car accident form. You can use it to gather information at the crash site. You can get it from the DMV or your local police station.
Each state has its own shape, so it’s good to make it easier.6 Car accidents are really stressful. The last thing you need is to worry about what questions you need to ask and what information to collect. Forms will have those things for you.
2. Information to Collect After a Car Accident About Other Drivers
Phone number or other way to contact the driver
3. Information to Collect About Other Driver Insurance
You’ll need some basics here, which can be found on their proof of insurance card. Get another driver:
Insurance company name.
Insurance policy number.
4. What to Know About Other Cars Abandoned
Vehicle brand, model, color and year. You may want to take photos for your own records, if possible.
Vehicle registration information.
Number plate number.
5. What to Gather About the Event
Event date and time.
The address of the wreck, or as close as possible.
The street you are on and the nearest crossroads.
Which way are you going.
Where did the other cars go?
Take photos from multiple angles or sketch the crash site.
Details of what happened. Do this as soon as you can write your report on what happened. You can use your phone to record yourself, telling all the details for your own notes. It’s easy to forget details when you don’t.
Should You Use Your Phone to Take Car Accident Photos?
Most people have access to a cell phone they can take photos with. Insurance companies encourage you to file a claim using an app or email. It makes sense to take a photo of the accident and send it with your claim. This is very useful for photos of property damage, photos of how the car stops, where the car is on the road, etc.
Be aware of the risk of identity theft when providing your information. Others need your name, address, SIM number, and phone number, but they don’t really need a photo of your SIM.
Being prepared with a form filled with basic information you will avoid someone asking for a photo of your driver’s license. Don’t forget, when you get into a car accident, you don’t know the other person and they don’t know you. Always be careful.
How to Submit Your Claim
Your insurance agent or someone at the claims office will be able to guide you through how to file a claim after a car accident. If your insurer has an application, you may also have the option of starting the claim process there or visiting the company’s website to see if you can fill in the details or follow up on your claim online.
Your job in a car accident is to gather facts and not engage in further discussion. If the other party tries to get you to admit you were wrong or suggest you handle something without insurance, gather the details, but don’t commit to what they’re asking for. You need to get the details you need to report the accident. In many states, you have a legal obligation to report a car accident.
Call your agent’s or insurance company’s claim number right after you’ve taken care of things at the scene of the accident. You can even try calling while still on the scene if you can.
You can contact your state insurance commissioner or your insurance company to ask them about the laws that apply in your state. Don’t forget that at the scene of a car accident, you don’t know the person you’re dealing with. You don’t know what kind of insurance they have or the details. Stick to the facts to protect yourself and make sure you get paid in claims.