Clients
often ask me what they should do if they have an auto accident. There are various things to consider when you
are at the scene. The following are a
few FAQs you should know to be prepared at the scene of an auto accident:
1. What
is the first thing I should do after an accident? The first thing you should
do is to assess if anyone is injured, render aid and call 911 for medical
assistance, if necessary.
2. Should I call the police to report the accident? You should always call the
police to report the accident. The
police will make the determination if they will send an officer to take a
report or not. You should report it even
if the other person(s) objects to calling the police.
3. What
information should I get from the other person(s) involved in the
accident? You
should collect the other person’s driver’s license, insurance card, and phone
numbers. The best way to collect this
information is to take a photo of the documents with your smart phone. You should also collect the vehicle
information – year, make, model, color and license plate number.
4. What
should I do if I’m not at fault in the accident? If you believe you are not at fault in the
accident, you should report the loss to the other person’s insurance carrier (you should have
the information if you were able to obtain the other person’s insurance
card). You should also report the loss
to your insurance carrier, so that your carrier can conduct a timely
investigation on your behalf.
If you
have additional questions regarding auto accidents and how it affects your auto insurance premium, please
stop by my offices in McKinney,
Texas or give me a call at (972) 727-9111.
Stan
Polk, CPCU – Agency Owner
6951
Virginia Parkway, Suite 316
McKinney,
Texas 75071
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I am a Farmers® agent but my posts are my own and are not statements by or on behalf of Farmers.
