In case of a car accident, it is important to stay calm and follow a series of steps to ensure everyones safety and to start the insurance claim process. Here are some common steps to take after a car accident:
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Check for injuries: Check yourself and your passengers for injuries. If anyone is injured, call 911 or ask someone else to do so. If youre seriously injured, try not to move and wait for emergency personnel.
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Move to safety: If youre able to, move to the side of the road or a sidewalk. If your car is safe to drive and is causing a hazard where it is, pull it to the side of the road. Otherwise, leave it where it is and get yourself to safety. Turn off your engine, turn on your hazard lights, and use road flares or reflective emergency triangles to warn other vehicles to slow down.
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Call the police: Call the police to report the accident. They will attend the scene to direct traffic and investigate what happened. Officers will compile an official report documenting details about the wreck such as any deaths, injuries, property damage, and eyewitness statements. They may also include their own observations on who or what was responsible for the crash.
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Exchange information: Drivers involved in an accident are required to exchange insurance information with one another. However, when requesting this information, you should avoid making any statements about the cause of the accident. Be sure to take note of the other driver’s license number, plate number, and vehicle model.
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Document the crash: Use your cellphone camera to take pictures of documents or, with pen and paper, get the name, address, phone number, and driver’s license number of everyone involved in the accident. If the driver’s name doesn’t match up with the car’s registration or insurance papers, determine the person’s identity. Take pictures of the accident scene and the damage done to your vehicle. Pictures of the accident scene and the damage done to your vehicle can act as evidence.
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Decide whether to file a claim: If you decide to file a claim with your insurer, they may ask for a copy of the police report to help with the claims process. You should also keep track of any medical expenses or other costs related to the accident.
Remember, never leave the scene of an accident, even a minor one. Your first priority is safety; everything else can wait.