After an accident, it can be hard for drivers to remember all the steps they need to take. Drivers should always remember to contact their insurance agency.
The aftermath of a car accident can be a chaotic and confusing time. Even in minor collisions, it can be hard to remember all the little things that need to be done. One important step that you should not overlook is to promptly contact your insurance agent.
Before Contacting the Insurance Agent
The first thing you must do after an accident is to make sure you and any passengers are safe. If anyone is in need of medical attention, calling an ambulance should be the top priority. After ensuring everyone is uninjured, move the vehicle out of the road to a safe spot and stop. Check on the other driver(s) and exchange information, but don’t admit fault. Even for minor accidents, you should contact the police. A police report will help insurance companies and, if necessary, the courts determine what happened. Document the scene by taking photographs of all vehicles involved, the road conditions, and any other details. You should also write down or voice-record the details you can remember about the accident.
Why Contacting Your Insurance Agent Is Important
Regardless of who was at fault, it is critical that all drivers involved call their insurance agent after an accident. We want to emphasize that the police will not notify the insurance company, so it is the policyholder’s responsibility. Failure to report an accident can result in legal penalties. Plus, an insurance claims adjuster needs to investigate the accident for the policyholder to receive compensation for any damage to their vehicle. Filing a claim with your insurance company can also result in perks, such as having the cost of a rental car covered. In addition, it is much easier for your insurance company to deal with the other driver’s insurance company than to handle it yourself.
Darryl Murphy Insurance is your local insurance agency providing a range of insurance services, including auto, home, and flood insurance. If you have been in an accident, our insurance agents will help you file your claim and work with your auto insurance company to possibly prevent your monthly premiums from going up. For more information, call us at 225-698-6789 or contact us online.