There’s no question that driving in the U.S. today is a dangerous undertaking. In fact, the National Highway Traffic Safety Administration (NHTSA) reports that on average, there are just over 100 people killed daily in motor vehicle crashes. And many of those accidents are caused by dangerous driving habits like texting and driving or drinking and driving.
Even if you are a careful and vigilant driver, there will be risks for potential car accidents, as you can never know whether other individuals on the road are safe drivers. That being said, let’s take a closer look at what to do should you get in an automobile accident, and how to make sure you’re properly covered before an accident ever occurs.
Steps to Take After a Car Accident
While we all strive to be diligent and safe on the roads, sometimes car accidents are unavoidable. Should an accident occur, take the following tips into account:
Prevent Further Accidents: In the case of a small fender-bender, pull your car off to the side of the road to avoid further damage or accidents. You should also turn off your engine, turn on your hazard lights, and warn other drivers of the accident using road flares.
Examine All Injuries: Check yourself and your passengers to see if anyone has been hurt to determine if an ambulance is needed.
Call 911: Even for small car accidents, it’s crucial you call the police and file a report for your insurer. Most of the time, police officers will come to the scene of the crash to complete the report and document the incident. If they are not available, go to the nearest police station to get an incident report.
Exchange Information: Without discussing fault, speak with the other drivers involved in the accident to exchange information for insurance purposes. The information you gather should include the driver’s full name and contact information, insurance company and policy number, driver’s license number, license plate number, and the make and model of the other vehicle.
Document The Details: It’s important that you also receive a copy of the police report, take photos of the accident scene and damage, as well as the names and badge numbers of responding officers.
Call Your Insurance Company: As soon as possible, call your insurer to notify them of the incident. They will guide you through the process of filing a claim.
Does Your Car Insurance Cover Passengers?
With the right basic liability auto insurance policy in place, your passengers will be covered after an auto accident as well. Bodily injury liability covers costs associated with any injuries or deaths caused by you or others driving your car.
Medical or personal injury protection (PIP) can reimburse you or your passengers for medical expenses, lost wages, and other related expenses after an accident. Additionally, uninsured/underinsured motorist coverage will reimburse your costs if you are involved in an accident caused by an uninsured or underinsured driver or a hit-and-run accident.
Which Auto Insurance Quote Is Right For You?
Don’t leave your safety on the roads up to chance. With the many risks involved in driving and plenty of auto insurance coverage options to consider, it’s important you choose wisely when reviewing your policy.
If you live in Robinson, PA, and are looking for a new or updated car insurance policy, contact our knowledgeable agents at The Polesky Agency. We focus on serving our local community and making sure you and your loved ones are protected under any circumstance.
Give us a call so we can review your current policy and help you determine the best car insurance coverage for your needs at an affordable price.
September is Life Insurance Awareness Month.
It’s the perfect time to remind ourselves to plan ahead for the ones we love.