At some point or another, many drivers who get behind the wheel will find themselves in the middle of a car crash, be it a fender-bender or threatening situation. According to statistics from the Association for Safe International Road Travel, more than 2.5 million people in the United States are injured due to an accident each year, and nearly 800 die in the state of Indiana alone.
Since this kind of incident isn’t fully avoidable it’s best to know what you should do in the event of an auto accident. While most worry about how they’re going to get their car fixed or how they’re going to get back on the road there are a number of boilerplate items that need to get figured out first.
Contact Your Auto Insurance Agent
Getting in an auto accident without coverage is the last thing a driver wants. From not being able to cover the costs of repairs for their car and possibly the other person’s involved to having trouble with figuring out hospital bills, not being covered with insurance can be detrimental to your bottom line, adding insult to literal injury.
Look into contacting an Indianapolis insurance agent, who can help outline the best auto coverage you need. From coverage bonuses like roadside assistance to tacking on extra individuals to a plan, there is guidance out there for uninsured drivers or insured drivers looking for a change.
Keep Records Updated
When an accident occurs there’s a lot of paperwork that gets passed from insurance office to insurance office. From medical bills to income wage loss, there needs to be an up-to-date file of information on hand.
Keeping records updated and available will help to alleviate any stress around the mess of mixing up paperwork. Any handwritten note or observation or photos taken of the accident are valuable pieces to hold on to. Furthermore, when it comes to medical attention, it’s imperative to have correct information on-hand. The records and documentation produced as a result of medical treatment are most assuredly pivotal pieces of the puzzle in a victim’s chances of recovering financially.
Collect the Other Driver’s Information
It goes without saying that contact details of the at-fault or other driver involved need to be obtained. This is essential when pursuing a car accident claim. Get the boilerplate information such as driver’s name, phone number, home address, and email address. It’s possible that the driver isn’t the owner and insurer of the vehicle, and in this case the information of that person should be obtained as well. Next, be sure to collect the policy number and phone number of the driver’s insurance company and grab the license plate number of the vehicle. If the vehicle is in another state, make sure to make a note.
Finally, when it comes to describing the vehicle, jot down information related to make, model, and year of the vehicle. Once the driver leaves it may kill the possibility of getting further information needed at a later date.
About McClain Matthews Insurance
At McClain Matthews, we specialize in providing comprehensive insurance solutions for Indianapolis residents, business owners and beyond. For the last 69 years, we have established relationships within our community and pride ourselves on tailoring coverages as needed by our clients. For more information on how we can serve you, contact our friendly experts today at (317) 298-7500.