As expected when you are in an accident, you most likely are not able to think clearly due to the shock you have just experienced. Learning what to do, and what not to do, could save you time and money.
Call and collect are the two terms to remember while on the scene!
- Call law enforcement.
- Collect all the information you can.
- Name, address, and phone numbers of all parties involved.
- Driver’s license numbers and license plate numbers of all parties involved.
- Photos of the vehicle damage.
- Call your insurance company and speak to an agent.
Fraudulent accidents are a thing, so NEVER admit fault. Law enforcement will not assign fault, they will simply collect the information and file the police report. You also do not have to wait on the police report to file your claim. Call your insurance company and get the ball rolling so you can save yourself time!
Other important recommendations include:
- DO NOT pay for damages out of pocket to avoid the insurance company. This doesn’t stop anyone from filing a claim.
- DO NOT be surprised if 911 does not send police. In larger cities there is limited availability for private reports.
- DO evaluate yourself closely. You don’t always feel like you should go to the hospital immediately but most people do feel the aftereffects within the first 24 hours.
- DO NOT chase the offender in the case of a hit-and-run. They could be a dangerous criminal and chances are it was probably caught on a traffic or security camera.
| DO | DO NOT |
| Call 911 | Admit fault |
| Get other people’s information: name, phone number, driver’s license, license plate number, insurance. | Leave the scene, without leaving your information: name, phone number and insurance card. |
| Take photos on the scene. | Wait on the police report to start your claim. |
| Get names of officers on the scene | Pay for damages out-of-pocket to avoid the insurance company. |
| Call your insurance agent at the scene | Chase after an offender. |
| Always carry your most current up-to-date insurance card with you |