How to Make an Insurance Claim
What to do when you have had an auto accident:
- Determine if there are any injuries and if so, call 911 immediately.
- Don’t leave the accident scene – this could lead to serious or criminal charges.
- Try to determine if there is more than $1,000 in damage (your car and any other vehicles involved). If the damage appears to be more than $1,000, call the police and they will come and assess the scene. If the damage is less than $1,000, you still need to call the police, but they will instruct you on what to do next to assess the damages.
- If it is safe to do so, move the vehicles off to the side of the road and make the situation safe for all, including passing traffic.
- Collect names, addresses, telephone numbers, insurance information, license plates numbers, driver’s license numbers of all drivers involved in the accident. Remember witnesses and passengers; get their names, addresses, telephone numbers.
- Obtain the police officer’s name, badge number, precinct and incident number.
- Take notes of what the immediate scene looked like – placement of trees, shrubs, stop signs, signal lights, pedestrian crossings etc. This will help when you report the claim.
- Call us! We’ll answer your questions and guide you through the claims process. We are your consultant and advocate.
Always Remember To…
- Stay calm
- Don’t argue with other drivers, witnesses, passengers or on-lookers
- Tell your story only to the police
- Never admit liability
- If a tow truck driver suddenly appears without you calling them, don’t allow them to take your car. You have the right to choose a tow truck company or if you like, we can help guide you
- Most importantly, STAY SAFE