If you are involved in a minor fender bender, then this can be a logistical nightmare. However, it’s important that you do not get overwhelmed and mismanage the situation. Here are some of the steps that you should take to effectively deal with the aftermath of a car accident.
1) Report the Accident to the Police
If someone has suffered an injury, even a minor one, then you need to contact the police to report the accident. Even if no one seems to be injured, you should still make a report with the authorities. Having an official police report of the incident will help you when you go to file a claim with your auto insurer.
2) Gather the Necessary Information
You should be sure to exchange information with the other involved parties. For instance, you should exchange your insurance, contact, and vehicle information with the other drivers. If there are witnesses to the accident, then try to get their names and contact information as well. You should also be sure to take pictures that document the scene of the accident and the damages caused by the crash. This information can be used by the authorities and your insurer to help determine who was at fault for the accident.
3) Contact Your Insurance Provider
Finally, after you have jumped through all the official hoops and properly documented the incident, you should call your auto insurance provider to report the accident. Relay what happened as accurately as possible and share any information that you have at that time.
Take these steps to handle the aftermath of a car accident. Want to learn more about how car accidents affect your auto insurance? Then contact the experts at Mike Leonard Insurance Agency. Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Nationwide, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.