Accident Procedures
If you are
involved in an accident, knowing what to do may help alleviate some
of the anxiety that an accident causes.
1. Stop your
car and get help for the injured.
2. Have someone call the police or highway patrol. Tell them how
many people were injured and the types of injuries. The police can
then notify the nearest medical unit.
3. Give whatever help you can to the injured but avoid moving anyone
so you don't aggravate the injury. Covering an injured person with
a blanket and making that person comfortable usually is as much
as you can do.
4. Provide the police with whatever information they require. Ask
the investigating officer where you can obtain a copy of the police
report. You will probably need it when you submit your claim to
your insurance company.
5. Try to protect the accident scene. Take reasonable steps to protect
your car from further damage, such as setting up flares, getting
the car off the road and calling a tow truck. If necessary, have
the car towed to a repair shop. But remember, your insurance company
probably will want to have an adjuster inspect it and appraise the
damage before you order repair work done.
6. Make notes. Keep a pad and pencil in your glove compartment.
Write down the names and addresses of all drivers and passengers
involved in the accident. Also note the license number, make and
model of each car involved and record the driver's license number
and insurance identification. Record the names and addresses of
as many witnesses as possible, as well as the names and badge numbers
of police officers or other emergency personnel. If you run into
an unattended vehicle or object, try to find the owner. If you can't,
leave a note containing your name, address and phone number.
7. Record the details of the accident.
Filing Your Claim
1. Phone your insurance agent or a local company representative.
Do it as soon as possible even if you're far from home and even
if someone else caused the accident.
2. Ask your agent how to proceed and what forms or documents will
be needed to support your claim. Your company may require a "proof
of loss" form, as well as documents relating to your claim, such
as medical and auto repair bills and a copy of the police report.
Supply the information your insurer needs.
3. Keep records of your expenses. Expenses you incur as a result
of an automobile accident may be reimbursed under your policy. This
could include medical and hospital expenses, lost wages and at least
part of your costs if you have to hire a temporary housekeeper.
4. Keep copies of your paper work. Store copies of all paper work
in your own files. You may need to refer to it later.
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