What To Do Before And After An Auto Accident
No person is completely prepared for a car crash whether it is minor or major. However, drivers can be more prepared to handle the claims process afterward by remembering some important information. By taking a few simple preparatory steps, auto owners can prevent costly mistakes or delays that keep them from receiving compensation for damages.
What To Do Ahead Of Time
Make a list of important information to keep in a vehicle. An insurance agent's contact information, emergency phone numbers and contact numbers for family members should be included. Many insurance companies offer their own apps for accidents. Check with an agent to see if there is such an app. Some will walk policyholders through the steps to follow such as taking pictures and writing down information, and several have convenient platforms that allow people to upload the information directly to the insurer. If not, there are plenty of free apps for accident preparedness. Download one to use in the event of an accident. These apps are especially helpful since it may be difficult to remember what to do immediately after an accident with the confusion and stress that inevitably follows.
What To Do After An Accident
The first and most important step is to call an ambulance. People may not
realize that they are injured. Anyone who is involved in an accident should be
examined to rule out major injuries. Do not get out of the vehicle unless it is
unsafe to stay in it. Never admit fault if another driver or spectator
approaches. Be polite and courteous to everyone.
If taking any photos after an accident will put anyone at risk, do not take
any. Take them from inside of the vehicle until help arrives. When it is safe
to do so, take photos of the following:
- License plates of all involved vehicles.
- Damages to all involved vehicles.
- Damage to any property affected by the accident.
- Street signs or surrounding buildings that identify the location of the accident.
When it is safe to do so, write down the following information:
- Names and contact information of any other drivers or affected passengers.
- The year, make and model of any involved vehicles.
- Insurance and agent contact information for the other driver.
- Name and contact information for responding police officers.
An agent is an advocate throughout the claims process. Many people are afraid to contact their agent quickly because of a potential rate increase. However, the cost of handling an accident incorrectly can be much more expensive than a small rate increase.
For more information, feel free to Contact Neptune Financial to schedule an appointment.
Basic Understanding
This blog is being provided for informational or educational purposes only. It does not take into an investment objectives or financial situation of any individual, family, prospect, client, or prospective clients. The information is not written or intended as investment advice and is not a recommendation about managing or investing your retirement savings.
An individual seeking information regarding their investment or retirement needs should contact a financial professional. Neptune Financial, and their financial professionals do not render tax and legal advice. Please consult your tax and legal advisors regarding your personal tax or legal concerns.
