While it seems like there’s a car accident out there on the roads in town every single day, most people will tell you that they’ve never been in a car accident. What that means though is that in the event that one of these drivers who has never been in an accident gets in an accident, they might not know what they need to do.
This article will serve as a guide for all of those safe drivers out there who have never had to go through the ordeal of being in a car accident and making a claim on their auto insurance policy. If you have any questions beyond the basic guide provided here, make sure to speak with you insurance agency in Fall River to find out more about the process so you will know what to do if you get in an accident one day.
Step One: Before the Accident
This step is easy and should be done by all drivers, regardless of their track record for getting into car accidents or not. The first step is to get Fall River car insurance to cover your vehicle in the event of an accident. Having an auto insurance policy is the law in the State of Massachusetts, and if you are purchasing a new or used car that is financed by a lender, chances are it is a required part of your contract as well. Your insurance agency in Fall River can help you choose the type of policy that is best for you, your situation and your budget. this policy will protect you if you get into an accident, whether it is your fault or not.
Step Two: Immediately After the Accident
The first thing you need to do is move the vehicles out of danger. Some people think that they need to keep the cars exactly as they were until the police show up, but in some cases the police will never show up, so you need to make sure that you are out of the way so no one gets hurt. However, is the driver or passenger of any of the cars involved is seriously injured, you should call 9-1-1 immediately and not try to move the person from the vehicle. It is important to take each accident on a case-by-case basis, doing everything possible to make sure that no one is injured in any way after the accident occurs, whether by oncoming traffic or by improperly moving someone that should not have been moved.
Step Three: Exchange Information
It is best to immediately exchange information with the driver of the other vehicle. The information that you should exchange should include your drivers license numbers, license plate numbers, auto insurance policy information with the contact for your insurance agency in Fall River, names and phone numbers. You are required by law to exchange this information and it is an important step in the process as it will help you in making a claim, whether you are at-fault or not.
Step Four: Take Pictures
Nearly every phone on the market today has a camera inside of it, so take advantage of that now and make sure to snap some pictures of your car, the other person’s car and the scene of the accident. The more pictures you take, the easier it will be when making a claim with your Fall River car insurance company. If there are any witnesses around that saw the accident occur, make sure to get their contact information and account of what happened as well. The more information you have on your side, the better you will fare when it comes time to speak with your insurance agency in Fall River.
Step Five: Contact Your Insurance Company
Either from the scene of the accident or later when you get home, make sure to contact your Fall River car insurance company as soon as you are able. The sooner you are able to start the process, the faster and easier it will be in making a claim for the accident. Your agent will ask you a bunch of questions and will refer you to a claims adjuster who will come out, inspect your vehicle, take more photos and determine who is at-fault for the accident before paying out on the auto insurance policy.
Know What Your Policy Covers
Does your auto insurance policy cover a replacement rental car while your vehicle is being fixed or if it gets totaled? How much is your coverage and will it pay for all of the damages that are listed when making a claim? It is important to know how much your policy from your Fall River car insurance agency covers and what you need to do following a car accident. Contact your insurance agency in Fall River to come in and talk about your policy. The more you know what to expect, the easier it will be should you ever get in a car accident.
Where to Get an Auto Policy in Fall River
Contact Paul Sullivan Insurance to find out more about getting an auto insurance policy. We also offer a full line of coverage, including residential homeowners and renters insurance, personal insurance policies, marine policies, commercial business policies and much more. Give us a call today at 508-678-9611 or visit our local office on South Main in Fall River or our branch office in East Wareham.