Your heart is beating hard, you might be breathing fast and you cannot imagine you simply had an car accident. Take a look around. You're alive? Great. Everybody else? Much better. Even so, once stuff has calmed down this is exactly what you'll want to do.
Make sure you:
Keep your car insurance details in the glove pocket, such as a pre-printed form allowing you to provide the particulars of any accident, including a sketch of the scene. (Forget about running use that camera you had trown in the car a months ago. You don't? You should.)
Make perfectly sure that the policeman/men have heard your version along with his or hers name. Additionally always stay at the location where the accident happend till the police come and gone. Do not assume a police document will "take you off the hook" or even that one will be produced in case of a small accident ("minor" may suggest nobody is hurt although your car suffers a direct hit).
Swap names, details, license and insurance information with the driver of the other vehicle.
Immediately after the accident you need to report it to your insurance company. This may not appear sensible or essential to you. For anybody who is currently in a no fault state you may thing that the motorist of the other vehicle will cover every thing or you perhaps not want to see your rates rising, if the car accident is small. But unless the vehicle accident was your fault the state laws are usually protecting you from increased rates. Although you may think no-fault lets you off the hook for the other driver's medical expenses, it won't. It simply says his insurance policy will cover his bills (up to the limitations of his insurance coverage), no matter who is at fault. On the other hand, if they believe that you were in responsibility of the automobile accident, his insurer will want pay back out of your insurer. The thing is, your insurance provider needs to be informed.
Be honest. You have never read through your auto insurance policy, you don't want to read it and even if you are in an incident, you're still not sure if it would push you into those endless lines of fine print and insurance-speak. Are you able to even find your own policy?
If you can, view in the back for which are called the conditions of your policy - what you are supposed to do in case of an accident. Since you are witout a doubt in an accident these demands may seem to you like a too much of a hassle, but the truth is that they are quite simple and clear-cut. However, you may forfeit several of your privileges unless you follow these instructions.
If you have concerns you don't have very clear solutions to, keep calling your insurance agent and/or the insurance department of the state til you have them cleared. Most people have heard that ignorance is no defense under the law, however they don't believe they'll ever have to find out. Usually the vehicle accidents are one of the most common causes for person to understand the price of ignorence.
Make sure you:
Keep your car insurance details in the glove pocket, such as a pre-printed form allowing you to provide the particulars of any accident, including a sketch of the scene. (Forget about running use that camera you had trown in the car a months ago. You don't? You should.)
Make perfectly sure that the policeman/men have heard your version along with his or hers name. Additionally always stay at the location where the accident happend till the police come and gone. Do not assume a police document will "take you off the hook" or even that one will be produced in case of a small accident ("minor" may suggest nobody is hurt although your car suffers a direct hit).
Swap names, details, license and insurance information with the driver of the other vehicle.
Immediately after the accident you need to report it to your insurance company. This may not appear sensible or essential to you. For anybody who is currently in a no fault state you may thing that the motorist of the other vehicle will cover every thing or you perhaps not want to see your rates rising, if the car accident is small. But unless the vehicle accident was your fault the state laws are usually protecting you from increased rates. Although you may think no-fault lets you off the hook for the other driver's medical expenses, it won't. It simply says his insurance policy will cover his bills (up to the limitations of his insurance coverage), no matter who is at fault. On the other hand, if they believe that you were in responsibility of the automobile accident, his insurer will want pay back out of your insurer. The thing is, your insurance provider needs to be informed.
Be honest. You have never read through your auto insurance policy, you don't want to read it and even if you are in an incident, you're still not sure if it would push you into those endless lines of fine print and insurance-speak. Are you able to even find your own policy?
If you can, view in the back for which are called the conditions of your policy - what you are supposed to do in case of an accident. Since you are witout a doubt in an accident these demands may seem to you like a too much of a hassle, but the truth is that they are quite simple and clear-cut. However, you may forfeit several of your privileges unless you follow these instructions.
If you have concerns you don't have very clear solutions to, keep calling your insurance agent and/or the insurance department of the state til you have them cleared. Most people have heard that ignorance is no defense under the law, however they don't believe they'll ever have to find out. Usually the vehicle accidents are one of the most common causes for person to understand the price of ignorence.
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