Car Insurance Rates | Car accident checklist

Obviously it is difficult to think clearly after an accident. So it is really important to know before you get into an accident what to do and what questions may need asked and answered. This checklist will help you know what to do when you get into a car accident. It is best to study it now and print it out and keep a copy with you in your car.

Determine the extent of damage or injuries

Stay calm. Panic can make others panic and make the situation worse. You need to be calm to determine the extent of damage and to determine if there are any injuries that need immediate medical attention.

Image Check list by car accident

File a car accident report with the police

Even in a small accident it is important enough to make sure there is a legal accident report. Do not leave the place of accident until the police file a full report.

Discuss the accident only with the police

With everyone still shook up it can be difficult not to talk about what just happened, but that can also lead to you not thinking clearly and accurately about what happened. Again, stay calm. It is important to limit your discussion of the accident and not to admit any wrong doing or liability. You should talk about the accident with the police and your insurance agent only.

Get the facts

This is the part most people know they have to do, but often forget after the accident for one reason or another. It is absolutely important to get names, addresses, and phone numbers of everyone involved in the accident. A description of the car and license plate number is important. But most of all make sure you also get their insurance company and the vehicle identification number of their car. Don't just assume the license plate number will do! Because most insurer record only the type of car and the vehicle identification number, not the license plate number.

Call you insurance agent

Call your agent or insurance company immediately. If the police is at the scene ask him to also talk to your agent. Often the police officer can give your insurance company more accurate information rather than information you may not be recording properly because you are upset by the accident. This can save you a lot of time later waiting for your claim to be processed.


 

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