So You Got into an Accident. Now What?

Auto accidents are really stressful and a bit scary as well. If you’ve just been through one, hopefully you made it out without a serious injury! After you make it through an accident, you must file a claim with your insurance company and with the insurance company of the person that is at fault as well. If you are hit by someone else make sure that you file a claim as soon as possible, right after you fill out a police report for your records. Knowing how to file a claim, and what to do during an accident is key to making sure that your insurance completely protects you.

Filing a Police Report

One of the most vital components of a successful insurance claim happens before the claim is ever filed. That’s the police report. When you get into an accident, you must get a police officer on the scene as soon as you possibly can. That’s to assess the damage to your vehicle and to make sure everyone knows for sure who was at fault in the situation. That’s the quickest and easiest way to win an insurance claim, and it’s something that you should always do.

Filing a Claim

When an accident happens and more than one person is involved, you want to file a claim with your insurance company. Even if the other driver was at fault, it’s important that you get the information to your own insurance company. Make sure that you take all the information from the driver, including their license plate number, driver’s license, name and insurance company name. Give all this to your insurance company and, in many instances, the company will help you sort out the claim with the other person’s insurance company.

Covering Your Car When it’s Your Fault

Some accidents aren’t the fault of the other driver, and others don’t even include another driver. In situations like this, it’s up to you to get your vehicle covered by your insurance company. This is only possible if you have a full coverage policy. If you only have liability you, will be left with the bill. If you have full coverage, you need to get in touch with your insurance company as soon as you can. When you reach them, they will ask for information about the crash, and you just have to fill them in. You’ll have to see a mechanic and get a quote for the damages, and you’ll likely have to visit the insurance company as well to get photos taken. Once you have a quote, you’ll have to send it to the insurance company that will cover all the damage costs after the initial deductible that you have to pay initially.

Getting Medical Help

During an accident, it’s important to ensure that you get medical help when it’s needed as well. Always see a medical professional immediately after an accident if you believe that you are injured in any way. While working with the professional get their information so you have it for your records. Also get a receipt for any of the treatment that you need from the hospital or specialist’s office. After filing your insurance claim, you may also have to hire an attorney and get them to sue for medical coverage as well. This is something that you’ll want to discuss with your insurance company and a lawyer though, to really evaluate your options and make sure your medical costs are covered.