This article was brought to you courtesy of Tricia Zwirner, your local State Farm Agent located in Windham.
Although no two auto accidents are alike, there are preparation and post-accident steps that every driver should take - like downloading your insurer’s mobile app.
Here’s what you need to know before an auto accident:
Remember APB: Always Be Prepared
Download a copy of your insurer’s mobile app and register your account. Many carriers have mobile apps that enable you to have an accessible digital copy of your insurance card as well as agent contact information.
Stash a copy of your insurance card and registration in your vehicle.
Keep a camera handy to document any post-accident damage. If you don’t have a phone that could be used for this purpose, consider spending a few dollars on a disposable camera to keep in your vehicle.
After an Auto Accident
Always call the police, no matter the severity of the accident. If the accident is minor, you may be asked to file a police report on your own, which you should do.
Get out of the way, if you can. If the vehicles are drivable, move them to a spot on the shoulder or otherwise out of the way of traffic.
Turn on your hazard lights and set up emergency cones if you have them.
Get out of the vehicle unless it is unsafe to do so.
Use the mobile app to contact Roadside Assistance for towing help or call AAA/a local tow company.
Record all the details.
Call your agent or use the mobile app to alert your insurance carrier that you’ve been in an accident.
Share your insurance and contact details with everyone involved in the accident.
Ask the other driver(s) to share their details, too. This information will be needed once fault and financial responsibility are established. Make sure to record if they are the car owners and if they have any passengers in their car. Also, be sure to secure witness contact information, too!
Take notes about what you remember of the accident and save your photos in a special folder in your photos app. Upload the photos to your carrier’s app, if able.
Ask for and keep a copy of the police report. Upload it too, if able.
What Happens Next
The accident will be investigated to determine who is at fault and outline who is financially responsible for repairs and other costs, including medical bills. Provide as much information to your claims department as possible and stay in touch with them until a liability determination is made. Be sure to contact them directly with your claims related questions.
What You Should Never Do
Don’t sign anything from anyone other than the police.
Don’t leave the scene.
Don’t refuse medical treatment if you believe you are injured.