So, You’ve Been in a Car Accident. Now What?

So, You’ve Been in a Car Accident. Now What?A car accident is a stressful event, and it sometimes prevents people from thinking straight. But in an event like this, keeping a level head and taking care of all of the details is crucial. Be prepared for an accident by knowing what will come next, and which steps to follow if you’re involved in one.

You never know when an accident might occur, so it’s important to be ready. Obviously you need to have your Tennessee Auto Insurance information, vehicle registration, and license with you. But there are a few more things to remember.

Safety First

Safety should be your number one priority when an accident happens, so before you do anything else, make sure that everyone involved is okay. Check with each and every person involved in the accident. If someone is hurt, or even unsure if they are don’t hesitate to call 911 immediately.

Everyone involved should relocate to the sidewalk or shoulder of the road as soon as possible. If the damage to your car is minor, you can move the vehicle to the shoulder, as well. But if there are any injuries involved or you have any questions about the safety of driving the car, leave it where it is, even if it’s blocking traffic.

File a Report

Even if it’s only a minor accident, you must contact the police. You’ll need to provide:

  • Your driver’s license
  • Your vehicle’s registration card
  • Evidence of financial responsibility for vehicle, including Tennessee auto insurance
  • Your current address (if it’s different than what’s on your license)
  • Information on the place and time of the accident
  • Other driver’s information
  • Explanation of injuries/property damage

Ask the police for a copy of the accident report. The officer’s opinion of the accident will be useful if the drivers have a dispute about who was to blame.

If you can’t get a copy of the report, at least get the officer’s name, badge number, phone number, and the police report number. Don’t ever leave the scene before an officer arrives; this is considered a misdemeanor offense in some jurisdictions.

Exchange Information

It’s crucial that you get the other driver’s insurance and personal information. At minimum, make sure you obtain their:

  • Name
  • Address
  • Phone number
  • Car make and model
  • License plate number
  • Insurance carrier and policy number

Who’s at Fault?

Never admit that the accident was your fault, even if it was. No matter how emotional you feel, admitting guilt or apologizing can make things a lot more difficult for you down the line. When you talk to the other driver, keep it down to business. Only state facts and limit your discussion about the accident as much as possible. Let the police and your auto insurance carrier determine fault.

Take photos of the accident scene, the damage to your vehicle, the damage to their vehicle, any injuries that might have occurred, and the surrounding area.

Write down exactly what happened in as much detail as possible The sooner you note what happened, the easier it will be to give your account to the police and your Tennessee auto insurance claims adjuster after that.

About Barnes Insurance Agency

At Barnes Insurance Agency, we specialize in vacation home rental insurance to ensure the protection of your property and assets. We strive to offer customizable solutions to meet your specific needs. For more information, contact us today at (877) 279-2500.

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