When you’re out on the road, you try to be as careful as possible. You avoid texting while driving, you always wear your seatbelt, and you’re constantly aware of other vehicles on the road. However, even the best drivers can’t always avoid getting in a collision. The fact is that you can only control what your car does, which means it may not always be possible to avoid getting hit by another driver’s vehicle.
Knowing the right steps to take after you’ve been involved in an auto collision is one of the most important things you can do to make sure an accident gets covered. At Value Plus Insurance, we work hard to make sure Minnesota and Wisconsin drivers are protected while they’re out on the road. In this post, we’ll break down the important steps you’ll need to follow if you’re ever involved in a car accident.
Accidents Can Happen to Anyone
Even if you are the world’s most conscientious driver, there’s always a chance you can end up in a fender bender. Even the most minor of accidents can be unnerving and frustrating, disrupting your day and leaving you and your passenger shaken. But if you don’t follow the right steps after your collision, what seems like a minor ding can end up becoming a major disaster.
Follow these simple steps after you’ve been in a collision:
1. Make Sure Everyone is Safe.
Before you do anything else, check everyone involved in the accident to make sure no one was injured. First, check yourself out so you’ll be okay to take care of others.
After you’ve looked yourself and your passengers over, be sure to check the other party involved in the accident and any pedestrians that may have been injured. Even the most minor pains from an accident can be serious, which is why it’s important to make sure everyone gets checked out by first responders if there’s any question.
2. Get Out Of The Road.
One of the most dangerous mistakes drivers make after a minor accident is standing in the road to exchange information and document the collision. You need to get your cars and yourselves out of the road for the safety of yourselves and everyone else on the road. If you can’t move your car, turn on your emergency flashers and light a flare or alert authorities to divert traffic.
3. Document The Details.
Mobile phones are a terrific tool for documenting an accident after it has occurred. Use yours to take photos of the accident as well as the scene, any nearby traffic signs, street locations, license plates, and all vehicles involved in the accident.
You should try to document the time of day as well as the level of traffic and weather conditions if at all possible. Additionally, write down your version of what happened while it’s fresh on your mind.
4. Share Insurance Policy Information.
Before you leave, make sure you don’t forget to exchange vehicle insurance information with the other driver or drivers. You’ll need to know the company name and policy number of their insurance as well as the name on the policy. Whatever you do, don’t admit fault because it can be used against you in a claim.
5. Call Your Insurance Agent.
You’ll need to contact your insurance company as soon as possible after the accident to inform them of the accident. Your insurance company may want you to record additional information about the accident, conditions, or scene, so contacting them while you’re still on site is a good idea.
Protect Your Property with Value Plus Minneapolis Auto Insurance
If you’re going to be out on the road, you can’t avoid having to purchase vehicle insurance. However, you can have some say in who you choose to protect you and your property when you’re out on the open road. Whether you drive an SUV or a Vespa, we work hard to keep you safe.
At Value Plus Insurance team, we work hard to keep our drivers safe while they’re out on the highway in Wisconsin, Minnesota, or wherever you go. Speak to an insurance agent by calling us at 952-435-0550, or contact us to find out more about our auto insurance policies.