What to Do Immediately After an Accident
Getting into a car accident is stressful. Taking the right steps immediately can ensure your safety and make the claims process smoother.
- Stay Safe: Move to a safe location if possible, but do not leave the scene.
- Check for Injuries: Call 911 immediately if anyone is hurt.
- Call the Police: Even for minor accidents, a police report is crucial for your insurance claim.
Documenting the Scene
Your insurance carrier will rely heavily on the evidence you provide. To ensure your claim is processed accurately:
Gather Information
- Take photos of the damage to all vehicles involved.
- Take photos of the surrounding area, weather conditions, and any relevant road signs.
- Exchange contact and insurance information with the other driver(s).
- Get names and contact info of any witnesses.
Contacting Your Insurance Carrier
You should notify your insurance company as soon as possible. Motorance helps you compare policies, but your actual claim will be handled by the carrier you chose (e.g., GEICO, Progressive).
Filing the Claim
Provide them with the police report number, photos, and the details you collected. An insurance adjuster will be assigned to evaluate the damage and determine the payout based on your specific policy.
If you're unsure what your policy covers, review our Coverage Options Explained page to understand the difference between liability, collision, and comprehensive coverage. For more detailed information on the claims process, visit the III's guide on filing an auto claim.