Accident Auto Insurance Report

accident auto insurance report

An Accident Auto Insurance Report is so important when you go to file your auto insurance claim.

It is crucial that you prepare yourself ahead of time so that you know how to react if you should happen to be involved in a car accident.

I have had the misfortune of being in a couple of accidents.
(No, not my fault - grin!)

Fortunately, no one was injured, but I can assure you that you are still so shocked and flustered that you can hardly think straight.

That's why I make this suggestion to help you should you find yourself in just such a situation.

Below is a list of basic steps to follow if you're in an accident. Write down these details or even print this page and place it in your glove box so that you will have a frame of reference should you find yourself involved in a car accident.

Steps To Follow In The Event Of An Auto Accident

You will eventually have to file an accident auto insurance report when you file your claim, but the first thing you need to remember when you are involved in an accident is, STAY CALM.

  1. Stop your car. That may seem obvious, but it is important that you do not flee the scene. You can be in a lot of trouble if you fail to stop and deal with the episode, even if the accident was not initially your fault. It may be be necessary for you to move your vehicle to safety on the side of the road.

  2. Check for injuries. Examine yourself and everyone in your vehicle as well as anyone else who was involved in the accident. If someone needs medical attention, call 911 (or your local emergency services number) for an ambulance.

  3. Call the police. Depending on the severity of the accident, the police will determine whether or not they need to attend the scene. If it was a minor "fender bender," the police may not need to be called in, especially if you can reach an agreement with other parties involved. However, in some places the law requires the accident to be reported if the damages exceed a certain amount, like more than $500, etc. Know what the law requires in your state.

  4. Write down all the details. Record the make, model, year, license plate number, insurance company, and policy number of every vehicle involved. Also, get the names, addresses, phone numbers and drivers license numbers of each driver. You will, of course, need to give your details to them as well.

  5. Spot possible witnesses. If there were witnesses to the accident, try to get their contact details as well. You may need them if there is a dispute as to the liability of who is at fault.

  6. Do not admit fault. Make your statement to the police as calmly and clearly as possible without admitting fault. You may initially feel it must have been your fault in the shock of the accident, but on clearer thought and reflection you may discover you were not completely to blame. It will be difficult, let's say nearly impossible, to change your statement after the fact.

  7. Take pictures. These days it seems like everyone has camera phones. If you don't, it is a good idea to keep a disposable camera in your car so that you will be able to take photos at the scene. These will be beneficial when filing your accident auto insurance report. (You may even find yourself grabbing that camera for other sudden, more pleasant, occasions).

  8. Call a tow truck. If you vehicle is not drivable, it will have to be towed. Hopefully, you have emergency roadside assistance coverage. If your car is towed away, be sure to get the name, address, and phone number of the towing company so you can locate your vehicle later.

  9. Contact your insurance agent. You don't have to do this at the scene, of course, but you will need to notify your insurer and make them aware of your situation. They will clarify any specific procedures for filing your claim.

Accident auto insurance without hassle is what you will achieve if you follow this list and get all of the details needed for filling out an accident auto insurance report.

Really, I hope you never have to use this information. :-) It is good to be prepared, though, just in case. You never know when your skills at preparing an auto accident insurance report will come in handy.

It's much better to avoid an accident in the first place if you can. Visit to learn the most common car accident causes and how to avoid them. That way you won't have to worry about an accident auto insurance report!

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