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Auto accident checklist: Tips on what to do following a car accident

Auto accident checklist: Tips on what to do following a car accident

If you know me then you know that I always finds ways to incorporate to Wu Tang Clan songs in my articles. Well, since I don't want to disappoint you, the name of my insurance series will be called "You, Best Protect Ya Neck!" In this article, I will be discussing what to do following a car accident. Remember that insurance is all about protecting your assets. If you follow the tips, you should be okay

If you are in an auto accident:

1. Try to stay calm, stop your vehicle and check for injuries. The life and health of you, your passengers and the other people involved in the accident is far more important than the vehicle itself. Don't make any moves based on the emotions. For example, scream at anyone even if they were the cause of the accident and it could have been avoided.

2. If required, call the police and let them know of the accident, your location, how many people are involved, whether there are injuries and the types of injuries. Depending on your location and the availability of police officers, you may have to practice patience while waiting for the police.

3. You may wish to take reasonable steps to protect yourself, and your vehicle, from further damage. Where possible and if legal, move the autos to the side of the road and turn on your hazards as soon as it is safe. If you have flares, you may wish to use them to warn oncoming traffic and to prevent additional crashes.

4. Take great notes:

• the date, time and location of the accident 

• how the accident occurred - sometimes a drawing is worth a thousand words and can help enhance what you've noted 

• the type and location of damage to your car 

• the type and location of damage to the other cars or property involved 

• the names, addresses and contact information of all drivers and passengers involved in the accident 

• driver's license numbers and all the information on the licenses 

• insurance identifications including the name of the insurance company and policy number 

• the names, addresses and contact information of witnesses 

• the names and badge numbers of police officers or other first response personnel

5. You may wish to ask the police officer when and where you can get a copy of the accident report. There's a good chance you'll need it when you submit your insurance claim to your insurer. Don't assume that you know the answers. My high school teacher always used to tell us "when you assume, you make an ass of yourselves!" Since I went to a catholic school, I wonder was that the appropriate phrase for him to always say?

6. It's usually a good idea to call your insurance company right away and report the accident because the sooner they know about the crash the quicker they can start working to resolve your insurance claim. As well, they'll be able to explain the next steps, like where to have the car towed if necessary and arrange for an adjuster to come out and appraise the damage before any repair work is done. Listen, if you see an ambulance arrive at the scene of the accident then immediately call your insurance company ASAP!

7. There are a couple of don'ts you might want to consider like don't discuss the financial limits of your auto insurance policy and avoid discussing the responsibility for the accident or circumstances of the accident with anyone other than the police or a representative of your insurance company. Let the claim department battle it out for you. Don't tell your whole life story at the accident scene.

Auto accidents take a significant toll on everyone involved. But, if you stay calm, make safety your priority and follow the above tips, you will get through the ordeal of being in an accident and submitting an insurance claim. At the end of the day, remember "You Best Protect Ya Neck" and act accordingly.

Jamaal Solomon

Tax: www.taxitandforgetit.com

IG: @jstaxcorp

Insurance: "Text "GBOYD2" to 36260 and get my insurance Digital Business Card

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Youth financial literacy organization: www.cryptojmeanbusiness.org

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