What To Do If You’re Involved in a Car Accident

Getting into a car accident can shake anyone up, but you must stay calm. Start by checking for injuries and calling 911 if anyone needs help. Exchange contact, insurance and vehicle information with the other driver, and take photos of the scene. If the police arrive, ask for a copy of the report or the report number. These details will come in handy later when you file a claim.

How Can Auto Insurance Help After an Accident?

Auto insurance may ease the financial fallout of a crash. Here are a few ways it may help:

• Bodily injury liability coverage may help pay for the other driver’s medical expenses if you’re at fault.

• Property damage liability coverage may help cover the cost of damage to the other vehicle or property if you’re at fault.

• Collision coverage may cover your car’s repair or replacement costs after a crash.

• Comprehensive coverage may cover fire, theft and other damage not related to a collision.

• Medical payments coverage may help with medical costs after an accident.

• Uninsured/underinsured motorist coverage may cover accident-related expenses if the at-fault driver doesn’t have enough liability coverage.

How Do I File a Claim?

Filing a claim typically starts with notifying your insurance company as soon as possible. Most insurers offer 24/7 hotlines or online portals. You’ll need to provide the date, time and location of the accident, along with photos, witness information and a copy of the police report if available.

An adjuster will likely reach out to investigate the details and may inspect the damage. Stay in contact throughout the process and provide any additional documents they request. Once the claim is processed, your insurer will explain what’s covered and how payments will be handled. Taking these steps early can help smooth out the claims process and get you back on the road faster.

Secure a Policy Today

Be financially secure with auto insurance from Betzy Insurance LLC . Contact us today to get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.