Regardless of how strictly we observe traffic rules, the fact is we cannot avoid accidents altogether. All we can do is equip ourselves with the right information to help us pull through such cases. And now, considering that the accident has already happened, you cannot reverse it. But at least you can get some monetary compensation from your insurance company
So, how do you go about that? What should you do while at the scene, assuming no one suffered injuries? Stick around to learn.
Call 911 or Highway Patrol Officers
The authorities will give you assistance in the legal process and streamline any issues between you and the other party. However, have your license, insurance card, and other car details ready for inspection.
Notify Your Claims Adjuster
If you have an insurance claims adjuster or agent, be sure to notify them. Going through the compensation process can be quite a task. The agent will give you directions about what to do at the scene and even afterward.
Put all Facts and Evidence Together
· Collect Contacts of all other Parties
In case the other party is not willing to cooperate, you can request the contact information from the police. Also, remember to request a copy of the statement for record-keeping and presentation to your insurance company when filing claims. The statement carries all the car and driver details as well as the driver’s relationship with the car owner.
Was there a witness when the accident happened? Do not ignore them. Talk to them and get to hear their observation, but do not part without their contacts. Remember, some could just be passers-by—so you need to connect with them as soon as you can.
Note that your insurer will need this information to confirm that the accident happened to process your claims.
· Keep Visual Images With Your Camera
If your smartphone is still okay, take photos of the cars at their points of collision. Also, record any other parts that underwent damage because your insurance company may need them as proof. Other relevant captions like skid marks and physical damages at the scene would also be useful in the future.
Consider presenting the photos to the adjuster even if they haven’t requested—to stand a greater chance of getting compensation.
· Note Down Everything That Happened
Writing is one of the most effective ways to retain something in memory. So once you have relaxed and have all the details on your fingertips, put them down on paper. If, in the future, your insurance company requests a detailed report, you will just copy the same quite easily.
Alternatively, you can type on your computer, or record a voice note and maybe transcribe it later.
Maintain High Emotional Intelligence
Sometimes accidents are inevitable. Whether it was your fault or theirs, please address them politely. However, maintain your stand and never admit you were responsible for the accident.
Assist The Police in Their Investigation
Any time the police ask for your input, be sure to address them with the decorum they so deserve. Let your concern for the matter come out through your actions, responses, and the cooperation you give them.
Connect With an Affordable, Experienced Agent At innovante insurance
As you may have noticed, this is not a path you want to walk alone. Walking with an expert will cushion you against many misfortunes. The last thing you want is to lose your car and claim as well, just because of some minor mistakes in this process.
But the good news is that our innovante insurance will support you to victory. Contact us today and let us get started.