Auto 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.
