This question is one that I have heard a lot over the years. As I was brought up in the insurance industry I learned at a very young age what to do in the event of an accident. However, for many, this is a topic not discussed until you find yourself at the side of the road after a fender bender. This discussion is especially critical if you have new drivers in your home.
The first and most important rule, don’t leave the scene of the accident! Seems obvious but maybe not to a sixteen year old who fears getting in trouble.
– Turn on your hazard lights.
-If someone is injured, request medical assistance immediately.
-Even if it is a minor accident or on private property you should always call the police. This is especially important if you feel it is not your fault and the other driver is trying to convince you not to involve the police.
-If the incident occurs in a parking lot the police will not be able to ticket or determine fault but they will write up a report with a description and collect both parties information for future use. Having this information can help if an insurance claim is going to be filed.
-While still at the scene, take pictures of the damage on the vehicles and the accident scene. If there are witnesses make sure to take down names and phone numbers.
-After you have had a moment, call your insurance agent to report the accident. Carefully explain what happened and have them review the next steps that need to be taken.
Even the smallest accident can be a very traumatic event and can cause confusion and anxiety. It is important to remember that if no one is hurt, it is just a car and it can be fixed. As frustrating as it is, accidents happen and that is why there is insurance.
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