Getting in a car accident, whether minor or severe, is never fun. In the aftermath of the collision, there are a number of steps you'll need to take to document the accident and report it to your and the other driver's insurance companies. Whether you were the one at fault or another driver hit you, the procedure is still the same. Here's what you need to do.
At the Scene
Your first step is to ensure everyone's safety. If possible, pull your vehicle over to the side of the road or into a nearby parking lot. Check with your passengers and those in the other vehicle to make sure no one is seriously injured. Call 911 if necessary.
Once you've verified that everyone is alright, you'll need to exchange information with the other driver. Share your driver's license, registration and insurance information, and ask the other driver to do the same. Make a note of the make, model, color and license plate number of the other vehicle as well. Take photos of the damage to both vehicles, and ask for contact information for any witnesses.
After You Get Home
Once you return home, seek medical attention if needed. Keep in mind that some injuries may not present symptoms until a few days after the accident. If you are experiencing even a little bit of pain, you'll want to have it documented by a doctor for insurance purposes.
You'll need to report the incident to your insurance company as well, providing them with all of the information you collected at the scene. Your insurance company will send someone out to your location to inspect and document the damage, as well as ask you any additional questions that have arisen. Be as honest as possible in your answers.
Your insurance company or that of the other driver will contact you and advise you as to how to proceed with getting your vehicle repaired. They'll guide you throughout the process and help you stay on top of the next steps. The insurance company may ask that you bring your car to a particular auto body shop, or they may provide you with a few options. You'll need to go to an insurance-approved repair shop to have the damages covered by your policy or the other driver's.
If the damage was minor, you may wish to cover the costs of the repairs yourself to avoid increases in your insurance rates. Here at AutoMotorSport & Collision, we provide expert auto body and repair services to customers throughout the Stockbridge area. Whether you are working through an insurance company or on your own, we'll be happy to help restore your vehicle to its previous condition. Get in touch with us today to schedule an appointment for the repairs.