If you have just been involved in a minor accident, chances are— you’re a little out of it. Trying to make sense of the next move can be difficult. So, we have a quick little list for you to follow. Below, we will lay out all the necessary steps to take. That way, you have what you need when it comes to insurance, your health, and dealing with the other party— even if thinking on your feet isn’t your strong suit at the moment. Minor vehicle accidents are not uncommon. But, neither is the potential for false claims or improper reimbursement. So what can you do to make sure that you, and the other party, are protected?
Minor Vehicle Accidents: What Steps You Should Take
If Possible, move the vehicle
If you and your vehicles are in the condition to move out of the roadway— start with that. Trying to hash out the details while blocking a lane can cause unnecessary stress, traffic, and hostility on part of the other drivers. In most states, it is also the law that any minor crashes move from the roadway. Therefore, if you have the ability— move yourself and your vehicle to the shoulder.
Check Yourself Out
Most importantly: are you okay? Are you dizzy, does your neck hurt, can you get out of the vehicle? Questions such as these will help you determine whether you should call an ambulance or proceed with handling the issue. If you need emergency medical attention, the remainder of the details are not a main concern at the time. The main objective is to make sure that both you, and the other driver, are in the necessary physical condition to continue.
Exchange insurance information
Get the other drivers name, phone number, address, insurance company, policy number, license plate, and photos!!! Get photos of both vehicles, the damages of anything pertaining to the accident, the place where the accident happened… document. everything. Having all of this information will assure that you aren’t relying on the other party’s documentation or their word against yours. Fraudulent claims are extremely common. Therefore, having your own set of photos and information can add that extra layer of protection. Just in case.
Call the police
Some people might choose to start here before doing anything else. Others might try and handle the situation without calling the police or filing an insurance claim at all. While we do advise against, it is an option if both you and the other party can come to an understanding about skipping the hassle. But keep in mind, this is a very easy way for someone to avoid paying for the damage. But this one is entirely up to your judgement. Especially if you are the one who’s vehicle was struck. Do what makes you comfortable and what is in your best interest.
Call your insurance company
The quicker you speak with your insurance company, the quicker you will receive reimbursement for damages. Calling in while you’re waiting on the police to arrive will help you get a better grasp on where you stand when it comes to coverage. They will also likely be able to advise you. As well as making sure you have everything you need before you and the other person leave the scene of the accident.
Remain calm
You’re okay, this will be over soon enough, and there is nothing else you can do— so stay cool! If you keep following up with the other party, your insurance company, and your health following the accident— everything will be just fine. They key thing to remember is that minor vehicle accidents will happen from time to time, and at least you and the other person are okay. The best thing you can do is keep your chin up and maintain your involvement with the process by keeping in touch.