A car accident is something that can happen to anyone at any time. From minor to severe, you need to be prepared for a car accident, knowing what you should do before, during, and after. Below, you’ll find 5 steps you should take after a car accident and suggestions on keeping your insurance rates at a minimum.
Be Prepared: Asking “What If?”
With any unforeseen circumstance, it’s helpful to think, “what if?” When it comes to car accidents, a few things you should consider are your:
- The State Laws
- The safety of your car
Though it might not seem useful at first, try to travel around with a disposable camera and a copy of your insurance policy and number at all times. In case you’re in an accident, these few things will come in handy.
5 Important Steps to Take After a Car Accident
A car crash is only the beginning of the evening out of the situation. As soon as you’re in an accident, follow these 5 steps
1. Assess the Situation
First and foremost, check yourself and other passengers in the car for injuries. Make sure that everyone is ok and then check on the other party. The most important thing is that everyone involved is ok, so be sure to check that first. You may need to seek medical attention for yourself or the other party so be prepared with all insurance paperwork.
2. Call the Police
A lot of times, witnesses will phone the police but, you should do the same just in case. Give them a call and provide them with a location and a brief explanation of the accident so they know what they’re dealing with.
3. Call your Insurance Company
Many car owners believe that getting in an accident will raise their insurance rate. While that’s sometimes true, it’s not the case all the time. So, don’t hesitate and call your insurance company as soon as possible-especially before the other party does.
4. Exchange Information
Here is where that disposable camera can come in handy, allowing you to take photos of both your car and that of the third party. Then, make sure to exchange insurance information and jot down notes about the accident for your records.
5. Get an Estimation of Damages to Your Vehicle
After an accident that causes damages to your car, you’ll need a car accident damage estimate from a trusted repair facility. Getting estimates will help you determine what you can expect for repairs and help you tell the difference between deals that are too good to be true and just good deals.
Watch Out For Increased Rates
Paying for insurance is part of the car buying process. Don’t bite off more than you can chew when purchasing a car and go with one that allows you to pay both monthly payments and insurance without breaking a sweat. Keep in mind that, if you’re in an accident, you could be looking at increased insurance rates, which makes it a good time to shop around. When choosing a policy, look for:
- Accident forgiveness
- Both national and regional carriers
- Online insurance
- Customer satisfaction and reviews of your top choices
Be Prepared and Get Moving Again
Car accidents happen, most of the time when you least expect it. Don’t get taken by surprise and be prepared just in case it happens to you. If you are involved in a car accident, start working your way through our 5-steps to take care of everything and get back on the road.
You shouldn’t have to pay higher fees for an accident, so be sure to shop smart when choosing your next insurance policy.