AUTOMOBILE ACCIDENT OR LOSS RESOURCES:

If you get into an auto accident you'll have a great deal on your mind. Is everyone okay? Will my vehicle be fixed so it's just like it was before? How long will it be in the shop? Will my insurance company treat me right?

What should you do if you have an automobile accident or loss?

At the Scene (You might want to print this page and keep it in your glove compartment for easy reference in case of an accident.) 

  1. Provide assistance to any injured person. Call 911 and get trained emergency medical personnel to the scene. 
  2. Protect yourself and your vehicle from further damage or loss. 
  3. Exchange information with the other parties and get the names of any witnesses. 
  4. If required, contact the police. In most states, it is unlawful to leave the scene of an accident without permission. In case of auto theft, or a hit-and-run accident, it is very important that you contact the police within 24 hours. 
  5. Cooperate with the authorities. 
  6. Do not make any statements at the scene accepting responsibility for the accident. It is the role of your insurance Carrier and the police to investigate the accident and weigh the facts to determine what caused the accident. 

To Report An Automobile Loss:

As soon as possible, complete a detailed report of the loss or accident and provide it to your Insurance Carrier or your agent as quickly as possible. 

Here are some things you can do to help your insurance agency settle your claim:

  1. Report all losses, no matter how minor. The damage may seem so small that it's below your deductible, but you can't be sure until an appraiser examines it. Also, the other driver or a passenger may report being injured later. 
  2. Include all relevant details including names, addresses and phone numbers of the drivers, injured persons and witnesses. 
  3. Be sure to give us all your phone numbers. 
  4. Tell us where your vehicle is. If it can't be driven, we may ask for permission to tow it to a safe, well-guarded lot. 
  5. Cooperate with the claims service specialist who contacts you in order to handle your claim effectively, efficiently and quickly.
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