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Auto Insurance: What Happens When I am in a Collision?

By Compuquotes Team on September 7th, 2009

Auto Insurance

Being in a collision can be quite terrifying and upsetting and many people who experience their first accident have no idea what to do. Let's look at - before you are in the situation - what you can and should do if you're involved in a collision.

First of all - make sure you are not hurt. If you are hurt, don't move. You will only exacerbate your injuries by moving. If you are ok, then check on the people in your vehicle and in the other vehicle or building in which you hit. Any injury sustained should be checked out by a doctor, including your own injuries. Even if you think you aren't hurt, or aren't hurt badly, still get checked out - some small injuries can turn out to be life long. If anyone is seriously hurt, call 911 and get an ambulance. Stay calm on the phone. If you don't have a cell phone, task someone nearby to call.

The next step is to get the information on the other driver - even if you are at fault in the collision. You need their name, driver's license number, phone number, address, insurance policy number and the insurance company's name and phone number. Give the same information to the other parties in the collision for yourself.

The next thing to do is identify witnesses to the collision. Ask them for their name and phone number in case the police or insurance companies need a witness statement. If there are no police at your collision, head to the police station closest to the scene and file an accident report. The next phone call is to your insurance company.

You will need a copy of the police report and the insurance information of the other people to give to your insurance company. Even if the police attended your collision, you should take pictures of all the vehicles and buildings involved in your collision. This will prevent the other party from claiming damage to their vehicle that wasn't related your incident.

Before you are in a collision, you should read through your auto insurance policy so that you clearly understand what is and isn't covered in the event of a collision. You should also read to find out what your responsibilities are if you are in an accident. If you aren't sure, call your insurance agent and make an inquiry.

When you are in a collision, the most important thing to do is stay calm. If the collision was the fault of the other driver, give your insurance company the information and let them handle the repairs to your vehicle. You should never allow the driver to pay for your repairs on their own. If they do not have insurance, call the police and report the accident anyway and deal with your insurance company - they will be able to help you get the repairs done on your insurance.

Don't sign anything with your insurance company that closes the claim on your insurance until you are satisfied with the repairs or payout on your accident. This will save you a lot of time and trouble if the repairs are not adequate.

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