Your first instinct after a car accident may be to call for help. Do you have a plan for what’s coming up? Being proactive in your coverage can help keep you, your passengers and your belongings safe while reducing the cost of writing insurance.
- Consider moving your vehicle to the shoulder or side of the road to avoid further damage.
- Stay away from cars and if the cars are badly damaged, stay away to avoid dangerous situations like car fires or explosions.
- Turn on your hazard lights and put up flares or signs quickly to warn other drivers.
- Contact the police or make sure they are notified if you cannot call yourself.
- For injuries, seek medical help and wait for their arrival. Do not give first aid unless qualified to do so.
TAKE CARE OF YOURSELF
- Be quiet. Have a positive attitude and focus on your safety and gather the necessary information. If you are driving a company car, follow your company’s reporting process as soon as possible.
- Be polite but avoid taking responsibility or apologizing for anything. It is best to speak to the police only when reporting the accident.
- Don’t argue. Conditions can escalate quickly. It is best to review the circumstances of the accident in the presence of a police officer.
- If possible, collect the employee’s contact information. Write down their name, department, badge number and incident report number.
- If necessary, ask for information from other insured drivers including name, phone number and vehicle license number. If a company vehicle is involved, enter your employer’s name.
- Provide only necessary information to other accident victims; first and last name, phone number and insurance provider should be sufficient. Criminals sometimes use a car accident as a way to get their identity stolen.
- Gather any passengers or witnesses and ask them to stay at the scene of the accident until the police arrive. Passengers and witnesses are often able to report important facts or events that may contribute to the report.
KNOW THE THINGS AROUND
- Fill in the surrounding area and write your future posts. If possible, take several pictures to match what you saw. Save a Cincinnati Insurance auto report pocket in your glovebox(PDF 416k) to help you write down information in the event of an accident.
- Be aware of contributing factors such as bad weather, traffic accidents, blind spots or poor traffic forecasts.
- Note any injuries observed to the people involved in the accident and describe any damage to vehicles or property.
It is more useful to write information sooner rather than later. Gathering information after your accident can help you research your needs and provide a clear and concise explanation to your provider.
This waste management information is advisory only. The author is not responsible for monitoring or controlling waste management activities. Not everything is covered in this article. Contact an independent Bolder Insurance consultant for insurance advice and loss control information. Neither The Cincinnati Insurance Company nor its affiliates or representatives provide legal advice. Talk to your lawyer about your situation.
This article is provided by The Cincinnati Insurance Company, Bolder Insurance Partner.