Accidents happen, but when they do, are you prepared? First and foremost, call 911 to report the accident if you’re able to do so. Regardless of who is at fault, it’s important to get the police and medical technicians involved as soon as possible. Here are some steps to consider that might keep you and your passengers safe—both physically and insurance wise—immediately following the accident and in the days to come:
- Activate your hazard lights to help other motorists see you.
- Do not administer first aid unless you are qualified to do so.
- Make note of injuries you observe.
- Be courteous, but do not accept responsibility or apologize for the accident.
- Take scene and vehicle photos if you have a camera and can do so safely. You should also note the weather and lighting conditions.
- Note the condition of the other vehicle. Did they have their lights on? Did they use turn signals?
- Note any problems with the accident scene, for example, a vision obstruction, a poorly placed stop sign or a malfunctioning traffic signal.
- Exchange insurance and vehicle information with the other driver. While you may need to disclose personal information to a police officer, be cautious about providing your address and phone number to the other driver.
- If witnesses are present or approach you, ask for a name and telephone number and ask them to stay until the police arrive.
- If you are driving a company-owned vehicle, report the accident to your supervisor as soon as possible. If the other driver was using his or her vehicle for business, record the employer’s name.
Once all of this has been recorded, be sure to contact your insurance agent promptly. You’ll want to submit the photos and notes to your agent as soon as possible, so they will have a detailed record of the event to best handle your claim.
Not covered? You should be. Call Lang Insurance to get coverage or add to your current coverage today at 636-229-7000.