You've been in a car accident. You've pulled to the side of the street out of the way of traffic and you've called the police. As you sit there and worry about what is about to happen, you may not know what your next move is. The first step is always to get medical assistance when it is necessary and then to have the police arrive on scene to help you. You'll also need to call your insurance agent.
Gather Information as Soon as Possible
It’s important to talk to the other driver in a calm manner. No matter what happened, do not admit that you are responsible. Don't apologize immediately stating you did something wrong. Instead, wait for the police to handle any irate or upset drivers. However, you do need to gather some information from that driver. That includes:
- Their license plate number and a description of what damage is present
- Their name, address and phone number
- Their insurance agent’s information
- Any information written on their insurance card
- Photos of the damage and the area
If the other driver does not give you this information, the police will likely help you to get it. But, what do you do now?
Call Your Auto Insurance Agent
Your insurance carrier is there to help you through incidents like this. You need to alert them as soon as it is safe to do so. An adjuster may need to visit the site to see what happened, though it’s more likely that they will meet with you at a later time to see the damage to your vehicle. Your carrier also can help you, along with the police report, to determine who is at fault. Generally, the police officer responding to the incident will make the ultimate determination of fault.
Contacting your auto insurance carrier is a must even if you are at fault for the accident. The more information you provide to your agent, the faster a claim can be handled and the more effective the overall claim process will be for you and for the other driver.
We’ll help you through the claims process. Call General Insurance Services at (219) 879-4581 for more information on Michigan City car insurance.