How to Deal with a Car Accident

Car accidents can happen unexpectedly, even to the most cautious drivers. External factors like icy roads, heavy rain, or other motorists’ behavior can lead to collisions ranging from minor fender benders to severe multi-vehicle accidents. Knowing how to handle a car accident ensures your safety and simplifies the insurance process. With Good To Go Insurance, you can also find better rates post-accident through a quick quote. Here’s a step-by-step guide to managing the aftermath of a crash.

Steps to Take After a Car Accident

1. Call 911 and Seek Medical Help

   If you’re able, call 911 immediately to report the accident. Inform the operator about any injuries and request medical assistance if needed. It’s wise to err on the side of caution—adrenaline can mask injuries, and shock may set in later. Emergency responders can assess your condition, and the operator will dispatch police to the scene for an official report.

2. Move Your Vehicle Out of Danger

   In a minor crash, if your vehicle is blocking traffic, move it to the shoulder to avoid further collisions. Turn on your hazard lights for visibility. While this might affect fault determination, it prioritizes safety. In low-visibility conditions like fog or rain, unmoved vehicles risk severe multi-vehicle collisions. Learn more about driving safely in fog to reduce risks in such scenarios.

3. Gather Information from Involved Parties

   If you’re not seriously injured, collect key details from the other driver while remaining calm and avoiding admitting fault. Let the police determine responsibility. Gather the following information:

   • Name, address, and phone number
   • License plate number
   • Damage to both vehicles
   • Make and model of the other vehicle
   • Insurance details (company, agent, policy number, phone number)
   • Photos of the damage to your car

   If the other party refuses to cooperate, wait for the police to assist in obtaining this information.

4. Notify Your Insurance Agent

   Contact your insurance agent as soon as possible to report the accident. They’ll guide you through the car insurance claim process and answer your questions. An adjuster may visit the scene or schedule an appointment to assess the damage. The adjuster will work with the police report to determine fault, but the final decision rests with law enforcement, not your insurer. Provide accurate details promptly to speed up your claim.

Lower Your Rates After an Accident

Handling a car accident properly can prevent complications, but an accident might still impact your premiums. To mitigate this, compare car insurance quotes online with Good To Go Insurance. In just a few minutes, you can get up to 10 quotes, choose the best plan, and potentially lower your car insurance rates. The service is free with no obligation, so start your quote today and save.

Frequently Asked Questions (FAQ)

What should I do immediately after a car accident?

Call 911 to report the accident, seek medical help if needed, move your vehicle out of danger, and gather information from the other driver.

Should I admit fault at the accident scene?

No, avoid admitting fault. Remain calm and let the police determine responsibility based on evidence and witness statements.

How can I speed up my insurance claim after an accident?

Contact your agent promptly, provide accurate details, and document the damage with photos to help process your claim faster.

Can I lower my insurance rates after an accident?

Yes, compare quotes from multiple providers to find better rates. Good To Go Insurance offers free quotes to help you save.