Unfortunately bad things do happen, no matter how careful we are. Think
through these 12 steps now. If a car accident happens, you'll know what
to do.
1
Promptly notify the Police (call 911)
and call for an ambulance if someone is hurt.
2
Cooperate with the authorities who come
to the scene.
3
Take reasonable steps to protect your
vehicle from another loss. Consider moving it out of the flow of
traffic.
4
Try to record everything
on the scene. Your notes should include details of the accident,
identification of the autos and people involved, and the names and
badge numbers of all emergency personnel. Take pictures if possible.
5
Do not accept money. Do not admit fault.
Do not Say: "I'm Sorry...". Do not talk about the accident with
anybody else but law enforcement. Do not agree to forget about the
auto accident.
6
File a claim.
7
Get copies of all police reports.
8
Have your insurance company inspect and
appraise the damage before any steps are taken to repair it.
9
Cooperate with your auto insurance carrier
representative in the investigation, defense or settlement.
10
Send your insurance carrier copies of
any notice or legal papers received in connection with the accident
as soon as possible. Make sure you keep the originals.
11
If you are injured, submit to physical
examinations by physicians selected by your insurance carrier as
often as they reasonably require.
12
Give your authorization for the insurance
carrier to obtain medical reports and other pertinent records.
F.A.Q
What happens if my car is stolen?
The first thing you should do is report the theft
to the Police and obtain a police report.
What is a total loss?
If the cost of repairs exceed the market value of
your car then it is likely we will consider it to be beyond economic
repair. This is often referred to as a total loss.
What happens if the accident was not my fault?
The first priority is to get your car repaired or
a settlement to you if it is a total loss. The Insurance Company
will try to recover their outlay from the person responsible for
the accident.
What happens if the accident was my fault?
If you have collision coverage your Insurance Company
will arrange to have your vehicle repaired. If it is likely to be
a total loss your insurance company will advise you of the procedures
to follow. They will also handle the other driver's claim.
We want to hear from you, If you have any questions, use our
online form or one of the
phone numbers:
