When a car accident happens, unfortunately most people’s first response is to panic. If you’re involved in a car accident, remember that there are a few key things you need to do to make sure you are protected and the process goes smoothly. Always stop after an accident, as it is your legal obligation. Even if you do not think there was any damage, you need to stop. Do not panic, so you’re able to gather the necessary information.
At the scene and after the incident, here’s everything you need to know to get through a car accident with minimal stress.
Be Proactive at the Scene
It is beneficial to know what to do and what questions may need to be answered by the other people involved. If you can, take a deep breath and try to remain calm.
If possible, don’t move the vehicles unless they are causing a major problem with traffic and wait for the police before moving anything. Even in a minor accident, it is important to make sure there is a legal accident report. Limit your discussion of the accident and do not admit any fault or liability. You should only talk about the accident with the police, medical professionals and your insurance agent.
Make sure to take photographs of both your car and the other car(s) involved, in order to ensure that there will be no trickery later on. This is also the time to talk to the other driver and get the necessary information from them.
Know the Facts
It is important to write down specific information about the accident. Do it as quickly as possible, so the details will still be fresh in your mind.
About the Other Driver
- Name of Driver
- Address of Driver
- Phone number or other contact information
- Insurance company name
- Insurance company policy number
- Vehicle description, make, model and year (take photos if possible)
- Registration information
- License plate number
About the Collision
- Date, time, location
- The direction you were traveling in
- The direction the other car was traveling in
- Photos from a few angles or a sketched diagram of the crash scene
- What exactly happened (use your phone to record yourself telling all the details for your own records. It’s easy to forget the details when you are all shaken up from a crash)
- Driving conditions, the weather, visibility
- Witnesses names and contact information
- The name, badge number, and contact information for any police officer who comes to the accident
Contact Your Insurance Company
Call your New Mexico Auto Insurance agent immediately. If you can call them from the scene, it may be even more useful. Sometimes a police officer can give your insurance company more accurate information than you can if you’re too shaken up.
If you want to file a claim, your insurer will be able to walk you through how to do so. If the other party tries to get you to admit fault or suggests you handle things without insurance, collect the information and do not commit to anything. You must get the information necessary to report the accident. You can ask your New Mexico insurance agent about specific state laws. At the scene of an accident, stick to the facts to protect yourself and ensure getting paid in a claim. Car accidents are stressful for everyone, but at Daniels, we’re ready to help you get through this.
About Daniels Insurance, Inc.
At Daniels Insurance, Inc., we have a unique understanding of the risks that businesses like yours face on a regular basis. With the backing of our comprehensive coverages and our dedication to customer service and quick claims resolution, your business will be fully protected. For more information, contact us today at (855) 565-7616.