Car accidents are stressful but it is important to be calm and follow these steps:
*If you are in an emergency situation and are in need of assistance, please call 911.
First, immediately and safely pull over after a car accident. After both cars involved in the collision are out of the way of any traffic, you need to call the police. Once you call the police, you will be asked about the accident by the dispatcher. The dispatcher will ask if there are any injuries and where the accident is.
When the police arrive and everyone is safe, they will begin to file a report. The report will have unbiased information. This will be important, specifically, for insurance companies and lawsuits.
The police report will have:
- Standard information about the accident
- Accounts of both drivers, passengers, and witnesses
- A summary of the accident
- The opinion of the investigating officer
Get as much information as you can. This includes:
- Names and contact information of witnesses
- Driver’s license and license plate
- Insurance companies and policy numbers
- Accident location
- Photographs of the scene
- Damage to both cars
- Any bodily injuries reported
In Illinois, you must report the crash to the Department of Transportation within 10 days. However, you only need to file the report if there is a death, injuries or if the damage is more than $1,500. If you do not report an accident it is punishable by a license suspension.
You must call your insurance company to report an accident, even if you are not at fault. When you call your insurance company they will ask you a number of questions. Specifically, they will ask for the date, time and who was driving. Additionally, you will be asked about how fast you were going, what direction and who caused the crash.
The insurance provider will also want to know about property damage and if there are any injuries to people. This is where a police report comes in handy because it has all of this information for the insurance company.
In conclusion, after the insurance company is notified an investigation will be opened up. It’s important to stay in touch with the claims adjuster assigned to you. Because, after the initial shock, you may remember details you did not tell the police and you may experience delayed pain from the car accident. If this happens, it could be a severe health problem that must be reported to your claims adjuster and to the police.
Do you have any additional questions about car accidents, life insurance coverage options, or liability insurance? Our agents and customer service team are here to help with your affordable auto insurance needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location.
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