If You Are Involved In An Auto Accident

Mickey | Financial Services | Friday, December 3rd, 2010

Most people know the basics of driving. Red lights, four way stops, and right of way are common things you see when you’re driving. But not everybody knows what needs to be done when there’s an accident. Of course, nobody wants to get into an accident, but there are things you must do if one occurs. Doing the right things when you’re involved in an accident can mean the difference between having a terribly experience and a mere inconvenience.

First of all, accidents must be reported to the police if you intend to file an insurance claim. Even if your car was hit while it was parked and there were no witnesses, you still need to get a police report filed. Your insurance company will not process your claim without it. Furthermore, accidents which result in injury to any person are required by law to be reported in many states. Again, this report will serve as documentation in the event of an insurance claim or lawsuit.

After reporting an accident to the police, you should report it to your insurance company. Do this as soon as possible after the accident since you’re usually required to do this in your insurance contract. Moreover, some policies will send out an agent to the scene right away, possibly arranging towing and giving you a ride. Look for such policies when you get insurance quotes. These can save you a lot of time and hassle in the event of an accident.

Keep in mind that your insurance provider will need basic personal information from the other driver. Things like their name, address, what make and model of vehicle they were driving, and their insurance information will speed your claim greatly. It is also wise to get this information from their passengers, too. The basics are the same whether you have Illinois auto insurance or insurance in some other state.

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