Stop your car and move to a safe area away from other traffic. If that’s not possible, flip on your hazards. If safe and able, check on the other party involved.
CALL THE POLICE
Even in minor accidents, a police accident report can prove invaluable when dealing with your car insurance company and other drivers. Cooperate fully, but avoid admitting fault or blaming others while at the scene. Let the police objectively judge events and determine who, if anyone, is at fault in the crash.
**CAVEAT….in most jurisdictions if the accident took place on PRIVATE PROPERTY the police will not issue a citation or complete a police report.
If the police can’t make it to the scene (which is more likely if there are no injuries), you can file an accident report through your state’s Dept Motor Vehicles
CALL YOUR AGENT
If the accident is minor with no injuries to both parties, PLEASE CALL YOUR AGENT FIRST. We will be able to advise you properly.
In certain circumstances, filing a claim may not even be necessary.
Make sure the accident is well-documented. Snapping photos will make the claims process easier.
Driver and passenger names
License plate numbers
Insurance info or photo of insurance card
Makes and models of all vehicles involved
Contact info for any eyewitnesses
Location of the accident
The name and badge number of any responding police officers
BE SAFE OUT THERE!
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