How to: Handle a Car Accident

How to: Handle a Car Accident

Do you know how to handle a car accident?  Learn the steps that you should take after a collision.

No one ever thinks that they’ll get into a car wreck.  Unfortunately, auto accidents can happen anywhere and at any time.  Don’t let a car accident catch you off guard.  Follow these easy steps to make sure you are handling the situation correctly.

1) Stay at the Scene

Never leave the scene of an accident until you are cleared.  If you drive away immediately after an accident, this would constitute an illegal hit and run.  Instead, try to pull over to a safe place and park your car.  Turn your hazards on and take a moment to assess yourself before exiting your vehicle.  If you aren’t hurt, then you can proceed to the next step.

2) Check on the Other Party

Whether the accident was with another car, a bicyclist, or a pedestrian, make sure you check on the other people involved.  Call an ambulance if anyone is injured.  If the other person is unconscious or has a neck injury, avoid moving them unless absolutely necessary.

3) Contact the Police

Anytime there is an accident that causes serious damage, injury, or death, the police need to be called.  Once the police arrive, cooperate fully and request that a police report is filed.  Make sure you get the names and badge numbers of the responding officers.

4) Exchange Information

Information such as names, phone numbers, license plate numbers, and insurance information should be exchanged.  During this exchange avoid apologizing or admitting fault, if you do so, you may be admitting legal liability.  In general, avoid blaming others or admitting fault during the aftermath of an accident.  At this time, you should also speak to any eye witnesses and get their information as well.

5) Take Pictures

Take the opportunity to snap some pictures of the accident scene.  Make sure you get pictures of any damage sustained by either party.  This will help you when you go to file your insurance claim.

6) Talk to Your Insurance Company

Inform your insurance company as soon as you can.  Cooperate and carefully relay all the details including the extent of damage and injuries.  If possible, obtain a copy of the police report so you can accurately explain who was at fault.  From there, your insurance agency can help you file your insurance claim.

Keep these steps in mind to handle a car accident calmly and thoroughly.  Another way to be prepared for an accident is to have the right auto insurance for your needs.  Contact Club Agency Insurance Brokerage in Garden City, New York to get covered today.

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