It’s easy to overlook certain things immediately after an accident. But there are two things that you should prioritize right after seeking medical attention. They are informing the police and contacting your insurance company.
At first, these might seem like just standard tasks to check off your list, but as attorneys for car crash claims would rightly tell you, they’re actually the first moves you need to make to get through this tough situation.
Why Calling the Police is Unavoidable
Calling the police after an accident is important, even if it seems minor. In many places, it’s actually required by law, especially if there are injuries or damage. When the police arrive, they’ll document everything that happened. They’ll talk to you, the other drivers, and any witnesses.
They’ll also write a police report. This report is really important. It’s an unbiased record of what happened. If there’s any disagreement later on, the report can help clear things up. It has details like the time, place, weather, and any damage or injuries.
The police can also help keep things calm after an accident. Emotions can be high, but the police can help keep things under control. Also, knowing they’re there to document everything can help you feel less stressed.
When talking to the police, stay calm and stick to the facts. Don’t make guesses or admit fault, even if you think it’s your fault. After everything settles down, ask for a copy of the police report. You’ll need it for your records and your insurance company.
Calling the Insurance Providers: The Next Step
After calling the police, the next important thing is to call your insurance company. This is just as important as reporting the accident to the police.
Firstly, reporting the accident helps protect your rights. Most insurance policies have a time limit, so if you miss it, you could get into trouble or even have your claim denied.
When you call your insurance company, be ready to give them your policy number and important details about the accident. Make sure you tell them where and when the accident happened, and give them the names and contact information of the other drivers. The more information you give them, the easier it will be for them to process your claim.
Your insurance company will guide you through the claims process. Depending on what you’re covered for, different types of insurance might come into play. For example, liability coverage helps pay for damages to the other person if you’re at fault.
Collision coverage helps pay for your car’s repairs, no matter who caused the accident. There’s also medical payment coverage, which can help with medical bills for you and your passengers. Knowing what your policy covers can help you a lot after an accident.
When talking to your insurance company, be honest. Providing accurate information helps ensure that your claim goes smoothly. You have to keep track of all your conversations and write down dates, times, and the names of the people you talk to.
This documentation can be helpful later if there are any problems. And if anything is unclear, don’t hesitate to ask questions.
