What Do You Do If You're In A Car Accident?

Updated October, 2020
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There are a few essential steps to follow when you're involved in a car accident. One of the first things to do is stop your vehicle safely and contact 911. Filing a police report, gathering evidence, and not admitting fault are also key actions to take.

What to do if you're in a car accident: 4 step guide

Car accidents happen for many reasons and can be very stressful. Once an accident happens, it's important to understand how to handle the situation. Remain calm and don't forget that there is a standard protocol.  

You need to follow specific guidelines that are in your auto insurance contract. This way, you can make your claim for repairs and damage caused.  

Remember to keep that in mind if you are in an accident, to carefully follow the essential steps we've outlined for you.

#1 Call the police

Even minor accidents need to be reported to your local police station, so make sure to notify them about the accident. This report is important for your insurance claim and needs to be done as soon as possible.

If the situation is severe and there is an emergency, then you need to call 911 before doing any of the above.

Remember to stop your car, remove yourself from it and leave it idle.

Do not try and move your car to another spot and drive it, as this can cause more damage and affect your claim. If you need to move your car because of traffic issues, then try to wait for police to arrive before you do so.

#2 Contact your insurance company

Contact your insurance company's emergency claims number immediately after the police and let them know about what has happened.

Your insurance provides assists with tow truck services (you may have to pay an extra fee for this if it is not apart of your policy) and small repairs.

#3 Get all of the details about the accident

Once you have organized towing services with your insurance provider and reported the accident, you need to get information about your accident.

Write down the events of the accident whilst it is still fresh in your mind, and try to take pictures with your mobile phone.

When you're in an accident, photographs of the scene are very helpful to your insurers. However, do not let third-party member take pictures of your drivers license, even if they insist.

Identity Theft is something you need to be cautious of, especially when dealing with someone you don't know.

You can, however, allow pictures of your vehicle and of the scene. Mobile photos of the accident scene are helpful, provided that they are clear and present an accurate representation of the accident.

Essential information to collect includes:

  • Third-Party's Vehicle Description: Take photos if you can, or write down everything about the other vehicles involved in the accident. This must include color, model, make and year
  • Car Registration Information and Licence Plate: Make sure you have all of the correct numbers written down
  • Date & Time: Record the date and most accurate time that you can remember the accident taking place
  • Travel Directions: Make sure you record what direction you were traveling in, and what direction the other car was traveling in
  • Driving Conditions: Mention the weather, visibility and conditions of the road
  • Personal Information: Get the names and contact numbers of any witnesses. You also want to have the badge numbers and contact numbers of any police that show to the scene of the accident

#4 make your insurance claim

Your Insurance provider walks you through the steps of how to apply for your insurance claim.

Some insurers provide apps that make it very simple, but in other cases, you may need to go to the DMV or police station and fill out an Accident Report Form.

To find the best insurance for covering accidents, compare policies, here

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Our team will help you find the lowest insurance prices.
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