Steps to Take After an Automobile Accident Occurs

When an accident occurs, it is scary and can cause you to be very disoriented. Even though it may seem almost impossible to focus in the minutes immediately after the impact, you can do so if you work very hard to stay calm and follow some simple guidelines. These automobile accident steps will help you to know what to do when an accident occurs. We have kept it simple so that you can remember these automobile accident steps even in time of crisis.

First: Call For Help

The first thing that you need to do is call for help. Don’t try to move your vehicle, or make any changes to the scene of the accident, but rather place your safety needs and the safety needs of others first. Call 911 and report the accident. The dispatcher will send police officers as well as an ambulance that can help transport any injured parties to the hospital.

Next: Watch Your Words

Use good judgment when it comes to speaking about the accident. Do not speak to the other party in the accident, and never admit guilt even if you think you may have been responsible. That is up to the police and insurance company to determine and these situations are rarely black and white. Discuss the accident only with the police officers responding to the accident scene, and simply tell them your impression of how the accident occurred. During their initial interview post-accident the police will ask for your insurance information, so be sure that you provide them with this.

Finally: Call Your Agent

Call your insurance agent as soon as you possibly can. Tell your agent that you were in an auto accident and give them all the information they will need to get started on your case. Your agent will ask for information on the police report, so have that with you when you call.

Use these smart tips to make sure that you are protected after the accident. Your agent is your partner here, and will help you to deal with this difficult situation as efficiently as quickly as possible.

Tips on Finding the Right Car Insurance Company

Check for the TipsAuto insurance providers aren’t what you’d call “a dime a dozen” but there are an awful lot of them out there. If you’re the type of person who’d much rather deal with a dedicated car insurance agent you can actually look in the face than the next available representative, you might need to shop around. Here’s a short checklist that offers tips on picking the car insurance company that’s right for you.

  • Ask around. Even today, where just about all the information you could ever use is available online, word of mouth still reigns supreme to connect with quality auto insurance providers. If you’ve talked to your family and friends and still want a professional opinion, contact a local auto body shop and ask their opinion. They work with car insurance companies all the time and should be able to give you an insider’s perspective.
  • Find an independent agent. Not every car insurance agent works for a specific insurer – some act as brokers by pairing up prospective customers with insurance companies. An independent agent will be in a far better position to pair you up with the insurance company that’s right for you, rather than someone who’s employed by the car insurer whose job it is to convince you to do business with them.
  • Don’t be afraid to break a few hearts. The fact is, insurance companies are in the business of competing for your business. To that end, you should never sign a contract with any insurance agent unless you’re completely satisfied with the coverage and the rate you’ll be paying. You have the right to walk away at any time during discussions, even if it pains the agent sitting on the other side of the desk. Not being afraid to part ways amicably is part of finding the insurance company that’s right for you.