Nobody wants to be in an accident, but if it happens to you, it’s important to act quickly. Most insurance companies require you to report the accident within a day or two. Waiting too long could make it harder to get your claim approved or might reduce the settlement you’re offered.
Immediate Steps to Take After an Accident
Your safety and the safety of others always come first. Here’s how to get started:
- Check for injuries. Call 911 if anyone is hurt.
- Move to a safe location, if possible, but don’t leave the scene.
- Turn on your hazard lights to alert other motorists.
- Contact the police, even for minor accidents. A police report might be necessary for your claim.
- Exchange names, contact numbers and insurance details with the other driver(s).
- Take pictures or videos of the vehicle damage and any relevant road conditions.
- Gather contact information from any witnesses.
How to File an Auto Insurance Claim
Once everyone is safe and you’ve collected the necessary information, it’s time to start the claims process. Follow these steps:
- Notify your insurance provider as soon as possible. Our team at Gerhart, Hartman & Ritner, Ltd. can assist you with this initial call.
- Provide all the details you gathered at the scene, including the police report number if available.
- Work with your claims adjuster. They may ask for additional information or photos.
- Follow up on repairs and medical care as needed. Keep records of all related expenses.
Contact Our Agency
Reach out to Gerhart, Hartman & Ritner, Ltd. for more guidance on auto insurance. Our agents are here to answer your questions and help you file a claim.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.