Your first intuition after a automotive accident could also be to name for assist. Do you have got a plan for what comes subsequent? Being proactive in your response may also help preserve you, your passengers and your property protected whereas simplifying the method of submitting an insurance coverage declare.
- Take into account shifting your car onto the shoulder or aspect of roadway to stop additional harm.
- Stand a protected distance away from visitors and if autos are severely broken, keep a distance to keep away from unsafe situations equivalent to automotive fires or explosions.
- Activate your hazard lights and place security flares or indicators promptly to alert different drivers.
- Contact the police or affirm they’ve been notified if you’re unable to put the decision your self.
- For accidents, contact medical help and await their arrival. Don’t administer first support except certified to take action.
Hold your composure
- Stay calm. Hold a transparent thoughts and focus in your security and gathering related info. In case you are driving a company-owned car, observe your organization’s reporting procedures as quickly as attainable.
- Be courteous however chorus from accepting accountability or apologizing for something. It’s best to talk solely to a police officer when making statements concerning the accident.
- Don’t argue. Conditions can escalate rapidly. It’s best to evaluation circumstances surrounding the accident with a police officer current.
- If attainable, gather contact info of the responding officer. Make notice of their title, division, badge quantity and the incident report quantity.
- When acceptable, request contact info from different concerned insured drivers together with title, telephone quantity and car license plate quantity. If an organization car is concerned, report the employer’s title.
- Present solely the mandatory contact info to others concerned within the accident; first and final title, telephone quantity and insurance coverage service ought to suffice. Scammers typically use an auto accident as a method to gather private info for id theft.
- Gather any passenger or witness info and request that they continue to be on the website of the accident till police arrive. Passengers and witnesses can usually recount essential particulars or circumstances which will help within the report.
Observe surrounding circumstances
- Soak up your environment and make notes on your personal future reference. If attainable, take just a few photographs to help your observations. Make a copy of our brochure in your glovebox (PDF 416k) that will help you report particulars after an accident.
- Observe contributing elements equivalent to inclement climate, hazardous highway situations, visible obstructions or defective visitors indicators.
- Make notice of any noticed accidents for people concerned within the accident and describe extra collateral harm to autos or property.
It’s most useful to report particulars sooner relatively than later. Gathering detailed info following your accident may also help potential investigative wants and supply a transparent and concise description on your agent.
This loss management info is advisory solely. The creator assumes no accountability for administration or management of loss management actions. Not all exposures are recognized on this article. Contact your native, unbiased agent for insurance coverage protection recommendation and loss management info. Neither The Cincinnati Insurance coverage Firm nor its associates or representatives provide authorized recommendation. Seek the advice of together with your legal professional about your particular scenario.