Remain calm and think clearly as you handle the situation.
- First, you should call the police, and let them know you have been involved in a car accident. One thing that helps when disputing an accident is having a police accident report of the incident. If a police officer cannot come to the location of the accident, you can still file a state vehicle car accident report at a police station. This will help your insurance company quickly handle the claims process.
- Second, take out your emergency kit made for this very purpose. If you don’t currently have one, you can easily put one together. Some basic things to include are: a pen, paper, disposable camera, insurance card, first aid materials, and card with medical allergies or any other health conditions you have that may be important for medical teams to know in case you have been seriously injured. Another option is to buy a roadside emergency kit through Amazon, or other online sources.
- Third, if the accident is minor with no serious injuries you should move your car to the side of the road away from oncoming traffic, and put your hazard lights on.
- Fourth, if another vehicle is involved in the accident exchange information with them, including: your name, address, phone number, insurance company, policy number, driver’s license number, and license plate number for both the driver and owner of the vehicle. Try to be polite, and don’t feel you have to take responsibility for the accident at the scene. It may have been your fault, but it is best to refrain from taking the blame at the scene of the accident.
- Fifth, take pictures of your car, as well as any other damage that has occurred due to the accident to have documentation.
Once those steps have been taken care of, the next step is to file a claim with your insurance company. Allstate breaks down the easy 4 step process for their customers: 1) File your accident claim; 2) gather the facts; 3) resolve the issue by repairing your car; 4) move forward with a happy life. But how do you file a claim? Simply call, go online, or meet with your insurance representative in person so they can guide you through the process. Going through the claims process is an essential part of taking care of the accident and putting it behind you. It’s also necessary to schedule a vehicle inspection, speak with an adjuster, get your car repaired, and follow up to view the status of your claim.
CARFAX works with insurance companies and police departments to be informed of every accident they can be. In many instances CARFAX is able to obtain information from these resources, like the accident claim and accident report, among others to determine how serious the accident was. Through these things CARFAX is able to identify an accident on a vehicle history report as minor, moderate, or severe. These classifications help consumers be better informed of the type of accident a car has been involved in, which can help them determine whether or not they want to buy that car.