Car Insurance

Chances are if you drive long enough, eventually you’ll have a minor accident. A fender bender isn’t such a big deal if you have car insurance.

When you experience your first minor accident it can be very stressful. You need to be careful not to say or do the wrong thing, because this can screw up your case for auto insurance. You also need to be careful to get all of the information you will need to file a claim. It’s best to learn what to do before an accident happens.

The first thing to remember is to move the vehicles off of the road, so long as no one is injured. This is especially important if the accident happened at a busy intersection.

You really can’t just leave your cars in the intersection. If you do, then cars trying to get around you can have problems and you can actually cause more accidents to happen. Before you move your cars, turn on your hazard lights so that other cars know something is wrong and don’t expect that you’ll be able to travel at the normal rate of speed.

The second thing to remember is that you need to call the police. In some areas, police will show at even minor accidents and write up an accident report, while in other areas there must be injuries for police to come to the scene. Regardless, call the police and see if they will send someone. Having an accident report can make filing a claim with your auto insurance much easier.

It’s critical that you exchange information with the other driver. You should get each other’s name, phone number, insurance carrier, policy number, drivers license number, and license plate number. It’s a good idea to take down details about the car too like year, color, make and model.

When you are exchanging information, be careful what you say to the other driver. Do not admit fault, or apologize for the accident or any part in the accident. Don’t even say “sorry.” You do not want to be taken as admitting fault, as this is problematic for an insurance claim. Let the police sort out who was at fault.

If you have a camera or camera phone, get out and take some pictures of the vehicles. Try to get shots of both, including the damage done, and get a few shots of the cars’ position in relation to each other. Then when you leave the scene of the accident, call your insurance company and report the accident and provide all of the relevant details they request.

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