know your auto insurance claim
Do yourself a favor and prepare in advance. Know the laws and reporting requirements of the state where you live and drive in Always carry a package of car accident. It should contain paper, pen, and accident reporting form that is available online free of DMV. If an accident occurs remain calm and stop car. If injuries do what you can to the person or persons comfortably. Call the EMT to treat the injured and call the police.
If you smell gas or if the car is burning clear all people from the area. If the accident is limited, and only material damage and no injuries, put the hazard lights and drive both vehicles to a safe location on the street. September flares or reflective triangles in the back and sides of the cars to ensure other motorists are aware of their position. Both drivers need exchange car insurance information. You also need the names of drivers, all passengers in the vehicle and any witnesses to change. In addition to names that you should obtain complete addresses and phone numbers.
Then you must contact the insurance company and if you feel you need to contact a lawyer now is the time to do so. Your car insurance should gather all relevant information. They will need the year, make, model and registration number of the other car. They will also have the driver name, address, telephone number, date of birth, and his driving license number and issuing State. If other units are not insured to obtain as much information as you can then notify the police. Both the police and the insurance company you want names, addresses and telephone numbers of all witnesses.
If the police attend the incident by the officer attending a business card that gives his full name and how to achieve it. If you have a digital camera handy enough to take pictures. Besides making a sketch of the accident, mark the direction of each driver was traveling. Take notes of things like stop signs, traffic lights, other vehicles and obstructions on track. Insurers do not recommend discussing the debt. Give the police a report of ‘accident but in privacy away from the driver. Remember that no one can force you to see the details of the accident or admit blame. You are entitled to consult a lawyer before answering any questions. We hope that you never complain.
