What to Do After An Accident
Being involved in an accident can be a frightening experienced, and dealing with the insurance companies afterward can turn into a major hassle. Learning what to do in advance can help you handle a car accident in a calm way. Here are five steps to take after an accident occurs.
1. Check for Injuries
Following a collision, you should see if anyone has been injured, both in your vehicle and the others involved. If anyone needs medical attention, call emergency services right away.
2. Move Your Vehicle
If your car is in the middle of oncoming traffic, you'll need to move it to a safe spot on the side of the road. Put on your hazard lights to warn other drivers.
3. Exchange Insurance Information
You'll need to exchange information with the other driver. Get their name, address, and insurance information. When communicating with them, be polite and avoid saying who was a fault.
4. Collect Other Information
It's a good idea to record the names and contact information of any witnesses to the crash. Take photographs of the crash scene with your phone if possible. Having this kind of documentation can be helpful later when the insurance company is trying to determine who was at fault.
5. Contact Both Insurance Companies
If the other driver was at fault for the accident, it's their responsibility to report it to their insurer. However, some drivers may be reluctant to take this step, so you should get in touch with their provider and tell them the facts of what happened. You should also contact your own insurance company even if you feel you weren't responsible. Should the other driver's insurance refuse to pay for your claim, you may end up needing to file with them.
If the police were called following the accident, they'll decide who was a fault and issue a ticket. The insurance company will come to it's own conclusion about who should be held responsible. The information you gathered at the site of the crash may be useful to them in making this decision.
Car insurance can be quite expensive. It takes a chunk out of your budget every month, and yet it is necessary to have. You can shop around and ask for free quotes on your car insurance to help you save money. Some people have found that by switching providers, they saved hundreds of dollars in just a few months.read more
To get the best free car insurance quotes, you need to provide accurate information, so be sure to know what kind of coverage you need and how much, as well as other details.
What you need to do is to compare quotes on car insurance to find out which companies offer the best deals for high-risk drivers. Not all companies have the same rate structure. Find the one that benefits you in your situation.