Whether you brace for the collision ahead or are tapped from the behind, here’s how your auto insurance can help.
Any car accident or crash can leave you feeling a bit flustered. After a crash, you don’t want to be fumbling about trying to Google what to do or forget a critical step in the process. Fortunately, this guide can help make the moments after an accident less stressful as well as making the claims process that much smoother. Do you know how to handle a car accident and file a claim for your auto insurance?
Move to a safe area. If you can, pull over to the side of the road, out of the flow of ongoing traffic. If moving your car isn’t possible, turn on your hazard lights to warn other drivers that your vehicle is stopped. Make sure that everyone is okay in both vehicles, and call the police pronto.
After an accident, collect information. From the moment you collide with another vehicle, person, or property, keep good records. Take note of the time, the other driver’s name, location, license number, insurance company, and contact information. Once the police have arrived and taken statements, ask for a copy and write down the officer’s names.
Contact your insurance company. Let your insurance company know that you were in an accident and provide all the specifics of the crash. If you took photos or a video of the scene, send them over to your insurance agent as they may help during the claims process.
Work with the claims adjustor. When filing a claim, many insurers will send an adjuster out to inspect the damage to your vehicle. After this, you’ll be sent a settlement offer, you’ll pay the deductible, and have your insurance kick in to cover the rest.
Being involved in a crash is never ideal, especially if you have to worry about financial hardships. Minimize this risk by knowing how to handle an accident and ensuring that you have sufficient coverage on your auto insurance. To determine the right amount of protection that best suits your vehicle, needs, and budget, contact one of our helpful agents at Chambers & Company Insurance Brokers today!