After you get into an accident, you have to take several steps to ensure that you’re not stuck paying for the damage on your own. Follow these steps to properly document and report the accident.
Talk to the Other Party
As soon as possible, pull over to the side of the road and talk to the other party involved in the crash. Check if anyone is hurt and call 911 if necessary. Once you’ve addressed any life-threatening issues, exchange insurance and contact information with the other party. Avoid admitting fault until you speak to a car accident lawyer Hernando County FL.
Take Pictures of the Site
Before leaving the site or calling a tow truck, take pictures of both vehicles from multiple angles. If you are no longer at the scene of the crash, take pictures of that, too. These photos help your insurance company determine liability and verify your claims for certain repairs.
Figure Out a Ride Home
If your car needs to be towed, figure out a way to get home. Your insurance company may be able to offer a shuttle service, or you can call a ride-sharing service.
File Your Insurance Claim
Once you’re safely home, it’s time to formally file your insurance claim. Many insurance companies have apps that allow you to easily file your claim, but others require you to visit their websites or call your representative. Take your time filling out the form so you don’t make any mistakes, but do not take more than 24 hours, or you risk forfeiting your right to aid. Include as much information as possible, including any pictures you took and the other party’s insurance information. If you have insurance for multiple cars, specify which one got hit.
Follow Up With Your Insurance Company
Depending on your insurance company’s size, it may take a few days for them to reach out to you. If you haven’t heard anything in 48 hours, call your company and ask for an update. Keep your phone on at all times and monitor it for updates. You may also receive a call from the other party’s insurance company. Answer all their questions honestly, and give them the same information that you gave your own company.
Getting your insurance company to help you pay for your car’s damage after an accident depends on proper documentation and reporting of the accident. Follow these steps to ensure that you stay covered.