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How to Handle an Auto Accident: A Step-to-Step Guide

Statistics demonstrate that over 10 million auto accidents occur in the United States each year.  Though being involved in an accident can be unnerving, you must know the steps to take afterwards. Here’s what you must do to protect yourself, the passengers, and others on the road.

Step 1: Make Sure No One’s Hurt

The first step to deal with an auto accident is to ensure the safety of everyone involved. If possible, exit your vehicle and turn on the emergency flashers to alert other drivers to the problem.

If anyone is injured, dial 911 immediately for an ambulance. For minor accidents, you can call the non-emergency police hotline. Since the health and safety of involved individuals may lead to financial considerations, you must take the necessary precautions right away.

 

 

Step 2: Check the Damages

If you’re physically safe, carefully assess the damage to both vehicles. Take pictures that clearly show the position of the cars and the damage to each vehicle. If you can’t take pictures, draw a diagram to explain how the accident occurred.

You can express your concern and get medical attention without having to admit your fault. Get in touch with other drivers on the scene and exchange auto insurance information. Collect the following information if the other driver doesn’t have insurance:

  • Their name, address, and contact number
  • Their license number
  • The year and model of the car
  • The license plate number of the car
  • Accident report number

 

Step 3: Determine Car Insurance Coverage

An auto insurance coverage following an accident largely depends on the person at fault and the kind of coverage maintained by both drivers. If the accident isn’t your fault, the other driver’s insurance will cover your car’s damage as well as you and your passenger’s medical expenses.

On the other hand, your insurance policy will include PIP (personal injury protection) coverage that comes into play no matter whose fault it is. It also covers lost wages, as well as funeral expenses.

If you’re looking for auto insurance policies in Elkhart, get in touch with Ron Davis Insurance. We also specialize in home insurancemotorcycle insurancehealth insurance, boat insurance, a

nd more. We serve the areas of LaGrange, Kosciusko County, and Noble County as well.

 

 

 

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