Getting into a car wreck is a stressful situation, particularly if you cause the wreck. It happens to the best of us. You check the time or get distracted by a flashy billboard. In the few seconds your eyes aren’t focused out of the windshield, a collision can occur. Many people are unsure of how to handle the situation, but the truth is, it’s very similar to how you would handle an accident that was not your fault.
Check for injuries: Pull over and check yourself and your passengers for bodily injuries. Get out of the car and ask the other driver if everyone is alright. Immediately call 911 to report the accident, along with any severe injuries. The police will write an accident report upon arrival at the scene and may issue a ticket if traffic laws were violated.
Stay calm and be quiet: Never admit fault or apologize, even if it goes against your good nature. The police report will help the insurance company determine fault. Apart from asking if everyone is okay and exchanging information, there is no need to verbally interact with the other driver. This prevents you from saying something that could be used against you during the claims process.
Exchange information: Swap the standard information, including name, phone number, insurance company, policy number and insurance contact information. Take notes and pictures of the accident scene (location and time) and damage to the vehicles.
File a claim: Call your insurance company to file a claim. Again, do not admit fault. Simply state the facts and answer the questions asked of you. Depending on your policy, the damage to your car is often covered (beyond your deductible), along with the damage to the other car. You can likely expect your premium to increase at your next renewal; the best way to prevent this price hike is to pay for accident forgiveness (if available) ahead of time.
Cars can be fixed. People cannot. So long as everyone is alright, the stress and irritation of getting in a wreck will pass in a few weeks. Take a deep breath and remember that life will continue to go on.
Ask your agent how much protection you have with your current policy. Call Alliance Insurance Group at (720) 836-3428 for more information on Denver auto insurance.