Getting in a car accident, no matter how small, causes a lot of stress. However, preparing yourself will ensure you have all of the information you need to file your auto insurance claim, and guide you in properly reporting the incident. Just remember a few points to ensure safety and a seamless claim process.

How to Handle an Auto Accident

Prioritize Everyone's Safety

Every accident is different so before you get out of the vehicle, ensure that yourself and others are safe to do so. If you're in the middle of a busy intersection or are posing a hazard to other drivers, see if there's a safer location—maybe on the side of the road, for example. Determine if there are any injuries as well.

Call 911

If there are people injured, let the operator know that you need medics. Otherwise, request to have a police officer arrive to properly document the scene and report the accident. Have witnesses wait until they arrive, as they’re always beneficial for determining who is at fault. This is typically when you'll give your name, vehicle information, and insurance company information—keep it at that, they do not need other information.

Call Your Insurance Agency

Let your insurance company know that you've been in an accident so they can get started on filing a claim with you.  They might recommend certain documentation, so have all of the information you need before everyone leaves the scene. 

Document the Accident

Documentation is key for determining who is at fault and for your auto insurance coverage needs. If in doubt, write it down or type it in a safe place on your phone. You can take pictures of the damage to all vehicles involved, including anything like property damage, and license plates. Take note of weather details, injuries, and names of people involved.

Unexpected events, like car wrecks, can happen when you least expect them to so it's essential that you're prepared with the right auto insurance coverage. Stautberg Financial Group has been providing comprehensive insurance to the Cincinnati, OH, community since 1975, from auto and life insurance to home and business insurance. They work with each individual to provide the best insurance quote to fit their budget and coverage needs. To request a quote, visit them online or call (513) 821-6300 to set up an appointment with an agent.