Understand the basics of what you need to do if you're ever involved in a car crash.
Over six million car accidents occur each year in the United States. The good news is that most of them involve only property damage, but one in three accidents involve personal injury. With two out of every ten accidents leading to fatal injuries, it's essential that drivers know how to handle a car accident - as well as safe driving habits!
So that you aren't lost on what to do if you have a minor crash, here is what you need to remember.
Stop. If you're in the position where you and the cars involved can pull over, do so safely. Ideally, you want to aim for the right side of the road or a parking lot. Always stop, even if it's a minor accident, otherwise you could be charged with being involved in a hit and run accident.
Dial 911. If anyone involved in the accident is injured, call emergency services immediately and request assistance. Do not try to move any injured people from vehicles as this could do more damage. While you're at it, prevent further accidents by setting up flares or turning your hazard lights on to alert other drivers that you are stationary.
Give an accurate record. When the police arrive, make sure to tell them exactly what happened, to the best of your ability. If you don't know certain facts, inform the investigating officer. You should also make sure statements made by other people involved in the accident are accurate as well.
Take pictures and notes. Photograph the damage to your car, the involved vehicles, and write down as much information as you can, such as the time, date, location, drivers involved, license numbers, insurance information, and contact details. You will need this information when reporting it to your insurance company, so the more information, the better!
Report the accident. Notify your insurance company as soon as possible. Many policies require immediate reporting and full cooperation. Let your insurer know that you were involved in a car accident, and they will handle it from there on out! Typically, they will ask for details, and may send a claims adjuster to inspect your vehicle. After inspection, you'll be sent a settlement offer, to which you'll pay the deductible, and the insurance policy will provide for the remaining balance.
Working with agents that work for you is critical when handling these situations.
Contact Little & Sons Insurance Services to secure your reliable
auto insurance in Banning, Beaumont, and neighboring cities in California.
