So, you just got into a wreck and you don’t know what to do.
Here’s a step by step guide to walk you through what happens:
1. Get their contact information (name, phone number, insurance company)
You need to know who you just got into a wreck with, this isn’t negotiable. Get their name, phone number and insurance card information. Take a picture of their insurance card if you can, but at the very least grab a name and phone number, or email address if they wish to communicate that way.
2. Contact the local authority (click here to search for your local department)
Step 1 can be the hardest sometimes, and it’s not unheard of for people to be emotional after an accident. It’s OK, emotions are to be expected, but that’s why it will always be recommended to contact your local authority to have a third part present.
3. Describe the incident
You need to know where you are, the time of day, the vehicles and parties involved. Describing the incident that caused the accident is necessary to determine fault and who’s insurance company will pay out for the claim. Trust me, insurance companies don’t want to pay out for a claim that they feel their insured (you) are not responsible for, way more than you don’t want to have to use your insurance. So, relax! You don’t need to throw down in the middle of the road trying to get the other person to admit they did wrong.
4. Call your agent or insurance company
You should know the name of your own insurance company, or agent. Look on your insurance card, or go to your agent’s website or insurance company’s website and you should find a number or email address to reach out to. As soon as you have a free moment, give them a call to let them know of the incident. Most every insurance company has a 24/7 claims phone number where you can at least report the accident.