In 2005, there were approximately 6,420,000 reported auto accidents. Chances are you might have been involved in an accident or know someone who was. But of those who have been in an auto accident, how many of us knew offhand the correct steps to follow in this situation? Many auto insurance consumers may not know the quickest and easiest route to filing a claim with your insurance company.
As an educated auto insurance consumer, you should know the basic steps involved in filing a car accident claim. Accidents are always unexpected, hence the name "accident." While you can't foresee getting into an accident, you can always be prepared for the worse case scenario.
At The Scene of the Accident
First, stop your vehicle. State laws require persons involved in an accident to stop and exchange information. Call 911 for police and/or medical assistance. Even if an accident seems minor, assistance may be needed to clear the accident scene, handle traffic, and file an accident report. You may also have stress injuries that come on after the shock wears off.
Once the officer and/or medical personnel have finished, try and collect information about the accident. You may be able to get a copy of the report filled out by the police officer.
This information should include time and place of accident, weather and road conditions, and other circumstances of the accident; as well as names, addresses, telephone numbers, driver's license number and insurance information of those involved, including contact information for any passengers and/or witnesses. You also want to note vehicle information for all cars involved including make, model, year, color and license plate number. Also get the department and badge numbers of the responding police officer.
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