What to do if you are in an accident.

I get asked this all the time by people that haven’t had an accident in awhile and by those that have never had an accident.  What do I do if I am in accident?  This applies for both before and after accident and what you should expect from your insurance company and your agent, us.

First, what to do right after the accident occurs.

  1. Remain at the scene.
  2. Contact police and, if necessary, medical services; ask a passing motorist to call if you’re unable to.  You always want to contact police if you are involved in an accident with another vehicle or property that is not your own.
  3. Gather the following information:
    • Date, time and location of the accident
    • Name, address, phone number and insurance information of the driver and owner (if different) of the other vehicle
    • Year, make, model and license number of the other vehicle
    • Name, address and phone number of any passengers or witnesses
  4. Do not make any admissions of fault or sign any written statements until you have consulted with your claim representative.
  5. If the car is not drivable, make arrangements to have it towed and keep the receipt in case it is reimbursable.
  6. Contact your agent or your insurance company we have listed on our Report a Claim page.

Alright, so you have the claim reported, now what do you do and what should you expect.

  1. We always recommend that you get your own estimate of the work that needs to be done to your vehicle.  This will help the adjuster and you in understanding the damage to your vehicle and help insure you get paid the correct amount.
  2. An adjuster should contact you within 24-48hrs of you turning in the claim.  If that does not occur, be sure to contact your agent and let them know.
  3. Be sure to keep in contact with the adjuster, the process will go much faster if constant contact and returned phone calls are made.  It is best to give the adjuster and the agent the best phone number to reach you so that the process is quick.
  4. The adjuster will work with the body repair shop on the cost of repairs and will issue a check, less a deductible if it applies, for the cost of the agreed amount of repairs.
  5. The check may have a lien holder on it, as well as yourself, so be prepared to get the lien holders signature on the check as well.  If you no longer have a lien on that vehicle, contact your agent and they will remove it and have another check issued.
  6. Work is done and you are back to normal.

As always, if at any point you have questions regarding the claims process contact your agent, that is why we are here.

This entry was posted in Auto Insurance. Bookmark the permalink.