- Car accident guide- Don't Panic: 6 Steps To Follow After Getting Into a Car Accident
- Your Personal Car Accident Guide:
- 1. Make Sure Everyone Is Safe
- 2. Check for Injuries and Get Help
- 3. Document the Crash and Exchange Information – Car Accident Guide
- 4. Seek Medical Attention
- 5. Car Accident Guide – Start an Insurance Claim
- 6. Shop Around for New Car Insurance Rates
- Car Accident Guide: Check All Your Boxes After an Accident
- Frequently Asked Questions About the Car Accident Guide
Your Personal Car Accident Guide:
Every year in the United States, there are around 6 million car accidents. Many accidents lead to trauma and injuries, and about 2 million drivers suffer long-term injuries every year.
Whether it’s a fender bender or a serious crash, getting into a car accident is traumatic. Plus, many drivers are left not knowing what to do or how to act in the event of an accident.
Your body releases endorphins for pain relief and adrenaline for strength, which is why people feel worked up or pain-free after an injury occurring from an accident.
The best way to prepare yourself for a potential crash is to know what to do when you are on the scene. Keep reading about our Car Accident Guide to learn what steps you should take after getting into a vehicle accident.
1. Make Sure Everyone Is Safe
More often than not, accidents occur in the middle of the road. If you can, move any damaged vehicles out of traffic and off to the side of the road or in another safe place.
Put your vehicle in park, turn it off, and turn on your hazard lights.
Don’t stand in the road, but rather out of the way until help arrives.
Move to a Safe Location
- Minor Accidents: If the accident is minor and the car is drivable, move it to the side of the road or a safe place to avoid blocking traffic and further accidents. Turn on your hazard lights.
- Major Accidents: If the car is not drivable, or it’s a major accident, leave it where it is and move yourself and passengers to safety.
2. Check for Injuries and Get Help
Immediately following an accident, take a quick look to see if anyone is seriously injured. If they are, call 911 before you move cars out of the way, especially if the injuries are life-threatening.
If the incident was minor, it’s still a good idea to seek medical attention either immediately or after the police have arrived. Call the police even if it was only a fender bender. It’s always best to have an official police report when making an insurance claim.
Call the Police
- Necessity: It’s important to call the police, especially if there are injuries or significant damage. In many places, it’s legally required.
- Police Report: A police report can be crucial for insurance claims and legal purposes. It documents the accident and provides an unbiased third-party perspective.
3. Document the Crash and Exchange Information – Car Accident Guide
While you do want to obtain information from other drivers, it’s best not to do so yourself. You should not admit fault or interact with other drivers at all if you can help it. Even if you feel the accident was your fault, it is typically too early to make any determinations, which is why it is best not to say anything at that moment.
When the police arrive at the scene, they will obtain driver information and exchange it for you. Make sure that you get as much information as possible, including:
Driver’s names and contact information |
Vehicle descriptions and license plates |
Insurance information (including policy numbers) |
Driver’s license numbers |
Accident location and address |
Police officers’ names and badge numbers |
Any eyewitnesses names and contact information |
Most importantly, take as many photographs as you can of the accident. Take photos of all vehicles involved from all different angles, additional photos containing street signs and location in the background, and photos of any injuries sustained.
Take note of whether there are any cameras around as you or your lawyer may want to revisit the scene later for additional footage.
- Take Photos: Use your smartphone to take photos of the accident scene, all vehicles involved, any visible damages, and relevant road signs or signals.
- Detailed Notes: Make notes about the accident, including the time, date, weather conditions, and how the accident occurred.
4. Seek Medical Attention
If you did not already seek medical attention for obvious injuries, it is still a good idea to see a doctor after a crash.
Endorphins and adrenaline rush through your body in the event of an accident. As a result, many car accident victims do not realize that they are injured until hours or even days later.
Seek medical attention and be sure to tell your doctor about the accident so that they can perform an accurate assessment of your physical state.
5. Car Accident Guide – Start an Insurance Claim
Car Accident Guide -Find out what kind of insurance coverage you have and start your claims process. What gets covered and who covers it depends on who was at fault and what kind of insurance both you and the other driver have.
If the other driver was at fault, any property damage liability insurance would pay for your car’s repairs up to the policy holder’s limit. Your medical bills would be covered up to the other driver’s bodily injury liability coverage, too. There are 12 no-fault states, though, in which your own personal injury protection covers the cost of medical bills.
If you do not have any personal injury protection or medical insurance, then your medical bills could end up being your financial responsibility.
If the other driver was at fault but didn’t have an active insurance policy, your uninsured motorist coverage will pay for your losses, if you have selected that coverage on your insurance policy and will cover up to the selected amount chosen within the policy.
Call your insurance company and begin the claim process. If the accident was complicated, don’t make any official statements about potential injuries without first seeking medical attention and talking to your lawyer.
If the other driver’s insurance company makes you an offer, don’t take it without talking to your lawyer about medical bills and pain and suffering that could continue to affect you well into the future.
6. Shop Around for New Car Insurance Rates
What happens with your insurance after an accident will depend on who was at fault and the types of coverage the other driver and you have.
If you were at fault in the accident, your insurance rates could rise significantly. Depending on the insurance company and the severity of your car accident, it might be a good idea to shop around for new rates.
Some insurance companies almost double rates after an at-fault accident. Shop around and look for better rates. Opt for options like bundling home insurance, too, which could save you money on your premium.
Car accidents are overwhelming, and the idea of having to look for new insurance is daunting. Use a company that will shop for all the best rates and provides you with a list you can choose from. You can either shop for quotes online or call and speak to a representative.
Car Accident Guide: Check All Your Boxes After an Accident
In the event of a car accident, remember to breathe. Once you are in a safe place and you have determined you can wait to seek medical attention, call the police.
Document the scene by taking plenty of photographs, and gather as much information as you can.
Once you have talked to your insurance company and made a claim, be sure to explore other rates to make sure you are still getting a great deal on your car insurance.
Do you want to learn more about us, or are you ready to get a free quote? You can do so here or contact us with any questions, too!
Frequently Asked Questions About the Car Accident Guide
Q1: What should I do immediately after a car accident?
A1: After a car accident, it’s crucial to prioritize safety. Ensure everyone is okay and call 911 if necessary. Exchange information with the other driver(s), take photos of the scene, and notify your insurance company. It’s also a good idea to consult a car accident guide for detailed steps.
Q2: How can I determine fault in a car accident?
A2: Fault in a car accident is often determined by insurance companies and, if necessary, legal authorities. Factors like police reports, eyewitness statements, and evidence at the scene are considered. It’s essential to let the experts assess fault rather than making assumptions.
Q3: How does car insurance coverage work after a car accident?
A3: After a car accident, your insurance coverage comes into play. Depending on your policy, it may cover damages to your vehicle, medical expenses, and liability for damages to others. Review your policy details and contact your insurance agent for guidance on filing a claim.
- Multi-Policy Discount: Bundling your home and auto insurance can save you money. Many insurance companies offer discounts when you combine multiple policies. Text Us to learn more.
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- Good Credit Score: A higher credit score can result in lower insurance premiums. Some insurance companies offer discounts based on your credit rating, making it important to keep your score in good standing. Text Us for more details.
- Claims-Free Discount: If you have not filed any claims in a certain period, you may qualify for a claims-free discount, which can reduce your monthly insurance rates. Call us at 1.888.445.2793 to check if you’re eligible.
- Home Safety Devices: Installing home safety features such as smoke detectors, burglar alarms, and sprinkler systems may make you eligible for discounts on your homeowners insurance. Text Us to learn more about safety-related discounts.
- Low Mileage Discount: Driving fewer miles each month can qualify you for a low mileage discount on your auto insurance, potentially lowering your rates. Call us at 1.888.445.2793 to see if this applies to your vehicle insurance.
- Military or Affiliation Discount: Many insurance companies offer discounts to military personnel, veterans, and members of certain organizations. Text Us to inquire about eligibility for this discount.
- New Home Discount: If your home was recently built or renovated, some insurance companies offer discounts for newer homes. Call us at 1.888.445.2793 for more information.
- Vehicle Safety Features: Vehicles with advanced safety features like anti-lock brakes, airbags, or anti-theft systems may qualify for discounts on auto insurance. Text Us to find out if your vehicle qualifies.
- Early Renewal Discount: Renewing your policy before the expiration date can sometimes earn you an early renewal discount, reducing your premium for the next policy term. Call us at 1.888.445.2793 for guidance.
Home and Auto Insurance Coverage Options for Different Vehicle Types
- Standard Auto Insurance for Cars and SUVs: Whether you own a car, truck, or SUV, auto insurance is necessary to protect you from liability, accidents, and vehicle damage. Options include liability, comprehensive, and collision coverage to meet your specific needs. Call us to find the best auto insurance for your vehicle.
- Motorcycle Insurance Coverage: Motorcycle insurance ensures protection for both you and your bike. Policies include liability, comprehensive, and collision coverage, as well as options for covering accessories and custom parts. Text Us to get a quote on motorcycle insurance tailored to your riding habits.
- RV and Motorhome Insurance: RV insurance covers your vehicle, personal belongings, and liability, with options for full-time RVers and seasonal use. Additional coverage options include roadside assistance, attached accessories, and vacation liability. Call us to explore RV insurance options suited to your lifestyle.
- Boat Insurance for Watercraft Owners: Whether you own a speedboat, sailboat, or fishing boat, insurance covers watercraft damage, theft, and liability. Policies can also extend to trailers, personal effects, and specialized equipment. Text Us to get a quote on affordable boat insurance coverage.
- ATV and Off-Road Vehicle Insurance: Coverage for ATVs, dirt bikes, and other off-road vehicles includes protection against damage, liability, and medical expenses. Whether you ride recreationally or professionally, having insurance for your off-road vehicle is essential. Call us for a customized off-road vehicle insurance plan.
Last Updated on by Marlon Moss