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How to Handle an Automobile Accident

Getting involved in an automobile accident can be a truly terrifying experience.  Therefore, it is important for you to have a clear understanding of the steps you should take if you are ever involved in an automobile accident.  This way, you will have a better chance of remaining clearheaded and taking the steps that are necessary to keep both your health and your finances safe.

Make Sure Everyone is Safe

Undoubtedly, the first step you should take if you are involved in an automobile accident is to make certain everyone who was involved is safe.  Everyone who is capable of moving should clear out of the area in order to stay out of the way of danger.  If anyone is injured, you should call 911 right away.  Remember, now isn’t the time to argue over who is at fault – taking care of everyone’s safety is the top priority.

Get a Report Filed with the Police

After you make certain everyone is clear of danger and that an ambulance is on the way to help anyone who was injured, it is time to notify the police.  Even if you are involved in a small fender-bender, you need to call the police in order to file a report.  In many states, it is illegal to fail to notify the police about an accident you are involved in.  Whether it is the law or not, however, filing a report will help make everything go smoothly when it comes time to file a claim with your insurance company.  Not only will an unbiased description of the accident be included in the report, you will also have all of the information your insurance company needs regarding the other party involved in the accident.

Call Your Insurance Company

Although the police report will have information regarding the other driver, you should still ask that driver to provide you with his or her name, phone number and insurance information.  Then, contact your insurance company and pass this information on to the representative.  The insurance company representative will then tell you the next steps you need to take in order to file your claim and receive payment for the accident.

Getting involved in an accident can be a highly emotional experience. By remaining levelheaded throughout the entire experience, however, you will be able to handle the situation as smoothly as possible.