If you’re involved in a car accident the very first thing you should do whether it’s your fault or not, is to make sure you and others are okay.
Step 1
If you’re involved in a car accident the very first thing you should do whether it’s your fault or not, is to make sure you and others are okay. If someone is injured your first priority should be to help that individual if possible, if you’re incapable then you should call the police.
Step 2
Second, assess damages. We always recommend taking pictures or video of the scene. Record and document everything you can including license plates, street signs, and people involved. This will help prove what happened, where it happened and give insights as to how and with who.
Step 3
Third, Call the authorities. The reason you want to do this especially if you’re not at fault is that the officer may assign fault via ticketing and also help provide written testimony for you in the police report. This will be very helpful when going through the claims process as it will help the insurance company’s assign fault and speed up the payout process.
Step 4
Fourth, Exchange contact information and insurance information. If the individual you’re involved in the accident with refuses to provide you that information, ask the police officer for it. As it is their responsibility to obtain all necessary information.
Step 5
Finally, call your insurance agent and notify them as to what happened. This is a great opportunity to make sure you have all the necessary coverages in place and also go over any repercussions you might face if the accident was your fault.