What to do When You Get into an Accident and Need to File an Insurance Claim

Updated on January 24, 2023 | by Alan Biles

Car Accident

Being in a car accident is a frightening experience. Even though you take safety precautions on the road, such as wearing seatbelts, maintaining engines and tires, and keeping a safe distance from vehicles, an accident can still happen.

Financial protection from certain auto insurance companies like Carbiz may lessen your worries if you’re involved in accidents. Still, there are things you can do to protect yourself and your injury claims. The following are the five things you should do if you get into a car accident:

Check if Anyone is Hurt and Move to a Safer Location

Determine whether or not anyone has been hurt right away. If this is the case, dial 911 to request an ambulance. If the cars are still operable, move them to the roadside or off the main route and activate the danger lights. 

Be Calm and Assess the Situation

While you wait for the police, make a list in your head of everything you remember before the accident. In the event of a hit-and-run, make a note of everything you remember about the other car. The important details include the model, color, and plate number. Even little data, like dents, will aid the authorities in locating the perpetrator.

Call the Authorities

Even if there are no major injuries, it is a good idea to notify the police. Check the responding officer’s name and badge number; you can find this on the document or any paper you get. Check for its accuracy and obtain a copy of the police report as soon as it is submitted. 

A police report may be required to file a claim with your insurance provider, even if it is only for vehicle damage. The automobiles involved in the collision should also stay where they are unless they obstruct traffic.

Collect Necessary Evidence

Take clear images and videos of the involved automobiles from various perspectives. These photos and recordings can also determine weather conditions and roadblocks. Include the street and traffic signs in your visual proof as well.

If you discover a credible witness, ask them if they can describe what they saw on camera. In addition, request their entire name and contact details. Your insurance company may contact you for more information regarding your claim.

It would be tough for the other driver to modify their narrative with such proof. You might use it to deny their claims made immediately following the accident.

Contact Your Insurance Company

While you’re on the scene, you should contact your insurance company. Get in touch with your motor insurance as soon as possible, regardless of who was at fault. Your insurer will review your claim to establish the degree of the damage and who is to blame.

How to File an Insurance Claim?

Hiring an auto accident attorney is important when filing a car insurance claim. It can make it easy for you to handle your documents and smoothly process the claim. After contacting your insurance company, here are the next steps in filing an insurance claim after the accident.

Submit a Police Report

Once you’ve finished calling the insurance provider, go to a police station and register your complaint as soon as possible. After all, your insurance company may eventually request the same thing. As a result, it is preferable to have the same with you from the start.

Wait for the Insurance Agent

The insurance company will appoint a new adjuster after receiving your request. This insurance agent will likely call or text you to learn and know more about the case matter. So, avoid exaggeration and stick to the truth till the finish. Also, try to avoid speculative thinking as much as possible. You can also provide the contact information for a witness.

Receive a Report

After the adjuster has reviewed the facts, they will issue you a report outlining everything. It will include the vehicle’s damage assessment and your insurance policy. Read everything as thoroughly as possible. You can make a note of any mistakes they have made. Keep a photocopy of the original as well.

The insurance company will use the money to pay for the repairs to the automobile. So, before you proceed, keep an eye on everything.

Accept the Money

After completing everything, you may take the payment and apply it to the repairs. After all, after you accept the offer, you will be required to sign a release notice.

Protect Yourself and Your Vehicle

Driving on busy highways may be dangerous. There is always the possibility of being involved in a traffic accident while in a vehicle. Whether it’s a little rear bump or a serious injury accident, knowing these tips on what to do ahead of time can help save you a lot. 

Also, if you need to file an insurance claim, you should do it in front of a lawyer specializing in this area. In this manner, you may be certain that you are not making any errors in the process.




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