It all happens so fast. You and the other car collide with a force that, if it wasn’t for you seat-belt and airbag, could break every bone in your body. Tiny cubes of shattered windshield fly in slow motion across your field of vision. Finally, your car comes to a screeching halt.
After the crash, you are quite shaken up–to say the least. If you want to come out of this accident on the upper end, youâ€™ll need to have a thorough understanding of what to do after a crash and how to file an insurance claim. Here we’ve provided you with a wealth of information concerning what you should do following a car crash. This will set you on your feet in case of a car crash and save you as much money and trouble as possible.
What to do After an Accident?
1. Seek Medical Attention
After you’ve taken a second to pull your wits together, what is the first thing you should do after being involved in a car crash? First off, if it appears that anyone involved in the crash has been injured, call an ambulance immediately. The most important thing in a crash is always the people involved. If anybody is hurt, their personal well-being must be the highest priority.
2. Call the Police
If nobody is hurt, the first thing should do is to call the police. The police are there to help you and can majorly simplify the whole experience for you by walking you through it. A vehicle accident report from the police can also speed up the insurance claim process.
3. Obtain Useful Information
Politely obtain the other partyâ€™s information. Insurance companies need the names, phone numbers, and addresses of other people involved in the crash. The other partyâ€™s license number and license plate number are also good for your insurance company to have.
Write down some notes describing the accident. How did it happen? What type of damage was caused? Where did it take place? After you’ve jotted down some notes, you should take pictures of the accident with you phone or camera. Get an overall picture as well as pictures of what was specifically damaged. This will help resolve any disputes that might show up later on.
4. Hold Your Tongue
When you are talking to the police officer and the other driver, you need to be careful of what you say. At the crash scene you never want to admit to the accident being your fault. Even if youâ€™re pretty sure it was, you donâ€™t want to mistakenly legally claim responsibility in case it wasn’t your fault. Also, even if you feel fine after the crash, you should still refrain from saying that you weren’t injured. Wait for a few days to see if any pain kicks in before you say that.
5. File Your Claim ASAP
Youâ€™ll want to call your insurance company as soon as possible while the accident is still fresh in your mind. Ideally, you should call your insurance agent on your cellphone from the scene of the crash. This way you donâ€™t have to rely on your memory or notes when filing your claim. Once youâ€™re on the phone with your insurance agent, they will walk you through the rest of the insurance claiming process.