What to Do After a Car Accident

What to Do After a Car Accident – So, you’ve been in a collision… Maybe it was your fault, maybe it wasn’t… Maybe you’re honestly not sure. What should you do?

Many people are faced with this situation every day, and for most, there’s a mixture of adrenalin, anger, frustration, and confusion.  Because people aren’t involved in collisions regularly, most people don’t know what to do. Remembering these details may help.

Think Clearly

The first reaction you may have may be the result of the adrenaline. It is important to think clearly before you say anything. For example, you should never say these things:

  • “I’m sorry”
  • “It was my fault”
  • “I’m OK”
  • “I don’t think I need medical attention”

You won’t know what is going to happen after the crash has been cleared away and the insurance companies are called in.  Each of the statements listed will limit your insurance company’s ability to support your claim. And many injuries may not be immediately apparent at the time of the crash. Only a medical professional can make a statement with certainty that you are OK, and that you haven’t been injured as a result of the crash.

Record Everything

There are some general standard levels of information that Select Insurance Group and the state will expect you to take note of. The details will vary on a state-to-state basis. The minimum requirement of what you need to provide to the other driver (or drivers) is your name and your insurance information. But there are other things you can do that will help.  Most people have smart phones these days. Use the camera function to record the details. For example, take a photo of the other driver’s license. Take as many photos of the scene and situation as you can.

If you’ve read what was written carefully, you may note that the minimum requirement is to provide your name and insurance. You are not required to provide or show your license to another driver. If they refuse to show their license, make sure you include them in your photographs. This will help identify the other driver if they claim at a later date that they weren’t involved.

It can be useful to draw a picture of the scene that outlines key details, such as where the cars came from, where they ended up, and the location of other key features such as intersections, traffic lights, and traffic lanes.


Be Aware of Your Insurance

After the collision, insurer will work with you to identify the costs. These will not be limited to repairs to your car. There will be costs for repair to other vehicles, and possibly other property. There may be costs associated with medical bills for yourself and other people involved. Other costs covered by insurance include temporary transportation (such as rental car reimbursement), emergency roadside service (covering towing costs).

Medical Costs

Coverage amount varies from state-to-state. In 12 states (and Puerto Rico) there is no-fault auto insurance. This means that policy holders will recover medical costs from their own insurer, regardless of fault. The medical payments will be processed by insurance company in conjunction with your medical insurance. Uninsured motorist coverage is designed to allow a driver to receive damages for an injury received from an uninsured driver. In the event of a collision, insurance company will cover any gap between the costs paid by the other party and the cost of your total medical bill. Uninsured motorist cover is only required in 21 states.

The Bottom Line

The bottom line is that it is always worthwhile knowing the risks before you’re involved in a collision. Work with Select Insurance Group to make sure you have proper coverage for your state. At the time of a collision, record everything, and say nothing that implies fault.

If you have questions, don’t hesitate to call: 877-949-7873 or 855-GET-SELECT (855-438-7353). One of our licensed agents will help you right away.