Auto accidents happen to the best and worst of drivers and the worst times. No matter how good of a driver you think you are...it's best to always be prepared for an accident to happen. That way...you have one less thing to worry about if the time comes.
Because the time after an accident can be emotional and confusing...we have put together a list of do's and don'ts for you to hopefully make it easier if an accident occurs.
Remember: the information and statements you do or don't collect will make an impact on the way your claim works out with your insurance company. It is very important to make sure that you collect what is needed.
What should you do?
1. Get Medical Attention. You might not be hurt now...it may take a couple days or weeks to show up. Make sure that you and your passengers get the medical attention that is required.
2. Ensure your Safety. Assess the current situation and make sure that there are no other safety dangers surrounding yourself and your passengers as well as others involved in the accident.
3. Call the Police. This can be tempting to skip...especially when damage is minimal...Even in "small" accidents, relying on a stranger's (most often times) "promise" is not wise. The police are there to make sure that everything that needs to happen to sort out the accident occurs.
4. Collect Detailed FACTS. Other driver's names, contact info, insurance details, info on passengers and witnesses, vehicle details and information from officer who reported.
5. Take Photos. Just in case there are questions later about anything...it's nice to have pictures to show your insurance company what actually happened.
What NOT to Do...
1. Don't Sign Anything. Unless it's for the police or your insurance company.
2. Don't Take the Blame. Don't be rude but don't say it was all your fault. That is for someone else to decide.
3. Don't Discuss the Accident with Other Drivers. Only state the facts. This will keep the facts from being manipulated and misunderstood.
4. Don't Leave the Scene. Stay until the police and other drivers leave just in case you need to provide additional information to the police or other driver.
Are you interested in more information about how your auto insurance would work in the event of a claim? Contact our office at 417.777.7570. We would be more than happy to help!
Thanks for stopping by!