In order to be able to submit an auto insurance claim, you need to have the correct details. When damages exceed $2000, you also need to make sure that you have the correct details for your police report. Whenever damages exceed $2000, you are legally obligated to inform the police within a 24 hour period. You are also legally obligated to inform the police when/ if a crime has taken place during an automotive accident. The reason this 24 hour period is in place is to ensure accurate information. The fresher the accident is in your memory, the clearer the details will be. This makes it much easier to press charges and determine who was at fault for the accident.

Is There Anything I Can Do To Prepare My Car For An Accident?

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After an accident, you might not think very clearly. It can be hard to remember exactly what you are supposed to do. The best thing you can do before an accident is to make sure you have things ready for getting into one. This means knowing where your vehicle ownership is, your car insurance certificate is, as well as your driver’s license. You can also throw a first aid kit in your vehicle as you never know when you might need one, or when someone else will. Another thing you can do is print off a form to fill out after an accident occurs. This will ensure you get all of the information that you are supposed to have from the other driver.

What Should I Do First If I Get In A Car Accident?

The first thing you should do after a car accident is move to a safe area.  Next, if you can get out of the car, and it is safe to do so, you can go to check on the others involved.  If anyone is hurt, you should call emergency services immediately and ask for an ambulance. It does not hurt to call the police to the scene, especially if the other driver seems aggressive. The next thing you should do is tend to the injured as best as possible until emergency services arrive. Once they do, they can take over. If there are no injuries or they have arrived, you can gather your information and share it with the other driver.

Who Do I Need To Contact After An Accident?

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When you get in an accident, the first person you need to talk to is the other driver to get their information. After you do this, you need to get into contact with your insurance company to report the accident. Generally, you have to report an accident within 7 days time to be able to make a claim. However, insurance companies are lenient on this. They do accept claims after this time frame. If by looking at the accident, you can tell that the damage is over $2000, you also have to call the police to report the accident. If this is the case, this is actually the most pressing matter at hand. By law, you are required to file a police report within 24 hours time. When the damage is under this, or there is no damage at all, you do not have to file a police report.

What Details Do I Need From The Other Driver In The Accident?

To do a proper police report and report the accident to your insurance company, you need the correct information from the other driver. Make sure that you jot down the following information after an accident occurs:

  • The other driver’s name
  • The other driver’s license number
  • Their license plate number
  • The year of the vehicle
  • The vehicle model
  • Their vehicle’s color
  • Their insurance policy number

What Do I Need To Tell The Police After An Accident?

On a police report, you have to state all of the information relating to the incident. The date and time that the accident took place are very important. You are also expected to state the exact location and the weather conditions at the time of the accident. After you state the conditions, you also have to give them your information and the information of the other driver. Finally, you state any witnesses to the accident as well as give a statement of your side of the story.

What Do I Need To Tell My Insurance Company After An Accident?

Your insurance company is going to want to know similar information to the police report. Expect your insurance company to ask you your side of the story. They are also going to want to ask when it took place, what the weather was like and what the traffic conditions were like. Just like a police report, you are also going to need to give them your information as well as that of the other driver. Your insurance company will likely even want to know details like your direction of travel and your speed. One of the most important things your insurance company will ask about is injuries as this can cost them more than the accident itself. Finally, you can expect to be asked about any witnesses as these can help to clear up a dispute in an insurance claim.

Will My Insurance Company Find Out I Had an Accident If I Don’t Report It?

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Your insurance company might not find out at all if you had an accident. However, it probably is not worth the risk to not report an accident if you gave your information to the other driver. If the other driver sped away, you might be able to get away with not reporting it, but this is hugely frowned upon by insurance companies. It is written in insurance policies, that you must report any accidents that you get into. Should your insurance company somehow find out, they might increase your premium or drop you as a client. It is best to just report any accident, even if you don’t make a claim.

To Conclude

Knowing the things you need to collect after an accident is important. However, you don’t have to memorize the steps if you don’t want to. So long as you call police onto the scene, they should be able to take both driver’s statements, collect information, and make sure everyone is good to go on their way. Remember, it is always in your best interest to call your insurance company as soon as possible after an accident occurs. This is when it will be the freshest in your memory and it will be easier to describe to your insurance company.

Resources:

https://www.thebalance.com/what-information-is-on-a-police-auto-accident-report-527128
https://money.howstuffworks.com/personal-finance/auto-insurance/5-things-to-tell-insurance-company-after-crash.htm
https://www.edmunds.com/car-safety/what-to-do-after-a-car-accident.html
https://www.esurance.com/info/car/how-to-handle-a-car-accident