How to Handle a Car Accident

Car wrecks never seem to happen when you’re on a leisurely drive to the lake or park. They always seem to take place either on your way to work or home, when you feel the pressure and rush of life. This can often make otherwise rational people make big mistakes. Although you can never plan for an accident, you can keep in mind the simple steps to keep the process running smooth. The vast majority of drivers will experience at least one car crash in their lifetime, and the average motorist is involved with five accidents during a 40-year driving history. With that in mind, you can mentally prepare for these events and avoid making those costly errors.

Immediately after the accident, take a deep breath and try to remain calm. Stay in your vehicle until you have taken control of your emotions. It’s very easy to come spilling out of your wrecked vehicle, arms waving and yelling at the other guy. This results in nothing good. The first thing you should ask the other driver is if everyone is OK. If possible, move the vehicles to the side of the road. Even for minor accidents, always call the police and follow their directions. Notify your insurance company immediately if you plan on filing a claim. Take pictures of both vehicles, if possible.

You should never sign anything unless it is for the police report or your insurance company. Never admit fault, even if you think you are to blame for the accident. That can leave you at risk for a lawsuit. Never leave the scene until police give you the green light to go.

The last thing you want to discover following an accident is that your insurance policy is insufficient to cover the damages and/or injuries. Before you ever find yourself in this situation, it’s a good idea to contact your independent insurance agent to be sure you carry adequate car insurance. We can suggest coverage options best suited for you and locate several quotes from a variety of providers, allowing you to purchase the best coverage at the most affordable rates. Contact us to help protect you and your vehicle before – and after – an accident.