A car accident can be very jarring, both physically and emotionally. The experts at Freeway Insurance have seen many people who’ve been through the experience, and it’s not easy.
However, if you take a few simple steps, you can position yourself to get the care and insurance coverage you need to get back on your feet — and on the road — as soon as possible.
What should you do if you’ve been in a car accident? Here are three important steps.
Watch What You Say
It’s common, as a kind person dealing with other people, to want to reassure the other driver. Unfortunately, anything you say directly after an accident can have a significant impact on your claim and how quickly it can be settled.
A history of safe driving means that you probably don’t get in accidents much, so be careful not to say things like: “Oh, it’s OK,” “I’m fine,” “I’m sorry,” or “It’s not your fault.” These statements can be used against you if you pursue medical care for injuries or try to instigate fault against the other driver.
Keep things simple. Give your name and insurance information to the other driver, and get the same from them. Don’t say much else. That way, you protect your rights throughout the claim.
Call Police to the Scene
We want to be trusting of other people, but often they don’t deserve that trust. If you leave the scene of an accident without a police report, the other driver can claim that nothing happened or that they were not involved. Or they can falsify the circumstances and misrepresent the accident.
It’s important to be able to prove both that an accident actually happened and what the circumstances of the accident were. Having a police report can make all the difference when it comes to resolving an accident claim quickly, according to Freeway Insurance.
If an accident happens, you need to call the police to the scene and both drivers should wait until they arrive. Sure, you might have been in a hurry, or perhaps the other driver is, but it doesn’t matter now. What matters is having the appropriate documentation for the accident.
Contact Your Insurance Company Right Away
Once you have the police report and have received medical care, if necessary, call your auto insurance company to report the claim. At Freeway Insurance, they love a prompt report because it means they can start right away in getting you the coverage you need.
It takes some time to talk to the other driver’s insurance company, finalize the circumstances of the accident, and agree on coverage levels depending on fault. However, your insurance agent will work with you to get your vehicle fixed as quickly as possible.
Get Affordable Car Insurance Today!
We honestly hope that you’re never in a car accident, but things happen. If you do find yourself in that situation, follow our tips above and remember, finding and buying good, discounted auto insurance from Freeway Insurance will go a long way to fixing things in the aftermath.
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