After getting into an auto accident, you have a lot to deal with, which could seem overwhelming. But most of all, you need to let your car insurance agent know what happened. First, you should seek medical attention; then, once you are safe and well, call your agent. You should be truthful and give as many details as you can. Here are the three crucial details to let your agent in on.
1. Comprehensive Details of What Happened
No driver hopes to encounter an accident when driving unless it is fraudulent. So, you need to give your agent the full details of what happened. Although the chances are low, there are some cases of fraudulent accidents where a driver staged an accident to get paid by their insurance agencies.
Driver habits can help tell if the accident was genuine or fraudulent. In most fraudulent accidents, perpetrators intimidate their victims or drive recklessly to cause an accident. So, if you believe you were targeted, notify your agent of your suspicion with reasonable grounds.
2. Who Was Involved
Immediately after a collision, both drivers should talk. Get their:
Likewise, provide them with your information. Exchanging this information makes it easy for insurance companies to work on the claims promptly. You should also ask if the driver involved in the accident is named on the insurance policy because sometimes the car could be borrowed.
3. All the Facts
Accidents can be traumatic, and you could remain in a state of shock after the impact, making it hard to note the sequence of events. However, you should try to gather information: what happened, where did it happen, and when.
If you can, jot down information in a notebook to have a chronology of the events once you are safe from the scene. Full documentation on what happened and in what order can help your insurance process your claim quickly.
The Two Don'ts
Although it is important to document the accident with pictures, avoid sharing the pictures on social media platforms. Don't post the pictures, discuss what happened publicly, or publicly identify the other party until the case is settled. Additionally, don't delay notifying your car insurance agent. Ensure you report to the relevant authorities, especially if there were substantial injuries or property damage.
Work With a Reliable Car Insurance Agent
Accidents can be traumatizing, and you could sustain serious injuries. Therefore, you should work with an insurance agent who understands your needs and can quickly process your claims to help you resume your normal life.
Contact your car insurance agency to learn more.
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