You don’t want to get into a motor vehicle accident. Chances are you don’t expect to when you get behind the wheel. Unfortunately, accidents happen. Whether your vehicle is totaled in a multi-car collision or you’re in a simple fender bender, before the incident occurs, you should know what to do. That way, after an accident, you’ll be able to more effectively and efficiently handle the situation by yourself.
Below are some points to take note of when reporting an accident to an insurance company.
Do You Need to Let Your Insurance Company Know There Was an Accident?
The extent of damage could have everything to do with whether or not you report a motor vehicle collision to your car insurance company. The speed the vehicles were going and whether or not other people were involved could also be a factor.
You’ll want to report a motor vehicle incident to your insurance company in most cases. In this manner, you will better be able to know, in the event of damage or injury, you’re financially protected.
Always report to your insurance company if:
- Other cars are involved in an accident with you.
- Significant damage was done to a piece of property (light post, fence, etc.).
- Considerable damage occurred to another vehicle.
- Substantial damage was sustained by your car.
What Information Do You Need?
When you talk to your insurance rep, you’ll probably need to supply information such as the following:
- As best you can, describe what happened before, during, and as a result of the accident.
- The time and the date of the collision.
- The location of the incident.
- For all involved drivers, supply the license numbers.
- Policy number.
- Names of other drivers and, of course, your name.
- Names of witnesses.
- They may request you send them videos or photos, as well. This can be done with your phone if you use it at the scene.
How to Let Your Insurance Company Know About the Incident
In many cases, it’s easy to report an accident to your insurance company, courtesy of modern technology.
Depending on your insurance company, you may be able to go to their website to report your accident. You can report your claim by filling out an online form. You may need to make a phone call with other companies, however. Either way, initiating a claim is a relatively simple process.
Before You Have to Report an Accident, Get the Right Insurance – K&N Insurance Brokerage
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