Before an Accident
- Have your vehicle registration and insurance card information readily available in your vehicle, either in your center console, glove box, or overhead compartment.
- Prepare or purchase a vehicle safety kit to have readily available in the event of an accident including safety cones, blankets, medical supplies, flashlights, water, etc.
- Know your shop of choice BEFORE you find yourself in need of collision repairs. If you get into an accident out of town and your vehicle is non-drivable, the best choice of a repair facility is a recommended shop by your insurance company; by choosing a DRP facility, your insurance will guarantee your repairs for as long as you own the vehicle, even if you require additional follow-up with your preferred shop closer to home.
Immediately Following an Accident
- Do not leave the scene.
- If your vehicle is drivable, move to a safe location to avoid creating additional safety hazards or obstructing traffic.
- If your vehicle is not drivable, use safety cones, flares, or any other easily identified objects to warn other drivers of the scene to prevent any additional accidents.
- Assess everyone for injuries. Call 911 immediately if medical assistance is requested or suspected due to the severity of the damages.
- Follow any instructions any police officers give to you.
- Call your insurance company to file a claim and get assistance with setting up a tow, if required.
- Note the name and contact info of towing company who picks up your vehicle and the location they will transport your vehicle to.
- Be helpful and polite, but do not admit fault.
- Take the names of any involved individuals and insurance information for the other involved driver(s.)
- Get the names and contact info for any witnesses remaining on the scene.
- Give your name and insurance information to the other parties, including police in order to file a report (Note: You do not have to provide any personal contact or address information to other involved parties as long as your provide current vehicle and insurance information).
Document the Scene/Damages
With a smartphone or camera, take photos of all of the following items (if possible):
- Damage to your vehicle
- Damage to other vehicles
- License plates
- Property damage
- Objects at the scene including debris
- Street signs
- Any other contributing factors to your accident
After an Accident
- Obtain a copy of the police report, if filed (Note: Typically takes 7-10 business days to become available)
- Follow any guidance and instructions from your insurance agent and/or claims representative to begin the process of having your vehicle repaired.