What to do after an auto accident

Here at BIG Agency we get calls almost daily from our insureds saying something similar to “I’ve been in an accident and I don’t know what to do!” Luckily, the process is easy and we are happy to help walk you through it!

1. Is everyone OK?

First and foremost, we want to make sure everyone is OK. When you’re on the scene of an accident, you’re shaken up and not thinking clearly. Hopefully there haven’t been injuries, but if there are, attend to people who have been hurt. The next thing you want to do is…
2. Call the police
Always call the police. Injuries or not, we can’t stress this enough. Accidents happen but stories can change so be sure you always, always call the police. If there are injuries, you can let the 911 operator know to send an ambulance as well. Turn on your hazard lights while you wait for emergency responders in order to let other drivers see you before they get too close. (We want to make sure another accident doesn’t happen while you’re waiting!) Depending on the local police that would be responding, and only if there are no injuries, they might tell you to move off of the road and exchange information. If this is the case, proceed to step 3! If not, stay where you are, and proceed to step 3 if you can safely exit your vehicle.
3. Take pictures
Everyone has a cell phone and therefore, they have a camera! This comes in handy when you’re needing to document things like damage done to your vehicle (and the other vehicle) Snap a few shots of the damage, license plates, and how the cars were sitting. You can even take pictures of the other driver’s ID Card!
4. Exchange information (even if the police come)
Be sure to get the following information from the parties involved:
  • Name of Driver (And also who owns the car if it’s someone else)
  • Phone Number/Address
  • Make/Model of Vehicle (And color!)
  • License Plate Number
  • Name of Insurance Company
  • Policy Number
Don’t forget to verify the policy is active by looking at the dates on the ID card. Sometimes it can take up to a week to get a police report, but if you already have the other driver’s information, you can get the claim started right away.
5. Ask the officer for the police report number.
Ask the officer for their name and also the police report number. This will be helpful later when you need to get a copy of the report. Normally reports can take on average up to a week to become available, but we can help you obtain one. You won’t even have to pay a fee!
6. Call us!
Please call our office at 513-831-4544 as soon as you can. Please don’t call your company’s 1-800 number on your card. If it is after hours, if you listen to the prompts, there is an emergency extension and you can leave a voicemail so we can call you back. We are best suited to help you in the event of an accident and want to be your first call.

After we file the claim and get the ball rolling, we’ll call to check in and make sure things are going well. If you ever have any questions or concerns, we’re here to help! Just let us know at 513-831-4544.

An accident can leave everyone frazzled, but following these steps may help protect you against unnecessary worries and will give us detailed information to begin processing your claim as smoothly and as quickly as possible. If you have questions, you can contact us at 513-831-4544. We’re happy to help!
May 4th, 2017 by BIG Agency