What do I do if I’m in an accident?
Let’s face it - being involved in an accident - any accident - is a serious disruption in your life. Period. But there are some things you can do to make sure it goes as smoothly as possible. First of all, make sure you get a copy of a police report. If the police are unable or unwilling to respond (typically for parking lot accidents or minor fender-benders without injuries), then be sure and take photos. Lots of photos. Be sure to include pictures of people that were involved as well - not just the damages. In addition, get the other driver’s information, a copy of their license and preferrably a copy of their insurance ID card.
Once you leave the scene and you’ve had a moment to calm your nerves, contact the at-fault parties insurance company directly. They will be primarily responsible for the damages to your vehicle and securing a rental-vehicle if needed. Next, contact your insurance company if you have been injured or there is any question as to who was at-fault. Additionally, if you find out the other party had NO insurance in force at the time of the accident, you will need to contact your insurance company for guidance. This is where having an actual insurance agency, working on your behalf, comes in handy.
The one question we are always asked is “Should I get a lawyer?”. There is no right answer here. Personally, I’ve done both and each one turned out well. As a matter of personal opinion, I think that you need to trust your instincts and follow your gut. Speak to your agent as well. We see many cases where the customer is entitled to exactly what they received, regardles of a lawyers involvement. Some people, though, are not comfortable navigating their claim by themselves, so a lawyer is a security blanket that they want. Just realize that it comes at a cost - as they say ‘there is no free lunch’.
As we tell our clients in every situation - keep clear, concise notes. Write down everyones name you speak with along with the date and time. Any paperwork you receive, keep in a central location so it’s all together. Insurance companies are bound by laws and ethics to handle your claim fairly - they are NOT however there to advocate for you. That’s up to you and having a relationship with your insurance agency can go a long way to meeting those needs.