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Auto Insurance Law – Steps To Follow In When An Accident Occurs

Different states have different auto insurance laws and they also have different steps that you have to take once an accident has occurred. Making sure to know what steps to take before getting into an accident is one way of being sure you handle it correctly. An accident can leave you shaken and not knowing what steps to take. If you know ahead of time, chances are the aftermath will be much more easily manageable.

When you are involved in an auto accident, there are certain things that you must do. The very first thing to do is to immediately clear the vehicles from the road. It is important to make sure that you are not in the way of traffic. If your vehicle is still operable and you are not injured, pull off to a side street before you exit your car. Do not investigate if possible at the sight of the accident. It can be dangerous to vacate your vehicle immediately after the accident.

Even if it is just a fender bender without assistance needed, it is still necessary for you to call the authorities. The second step you must take is to notify the authorities. Even if the accident was not enough for the police to be called, you must call them to the scene. Your car insurance company will need a copy of the police report especially if there are any questions as to who was at fault in the accident. It is very important to tell the events exactly as you saw them and only to the policeman. Do not discuss what happened with anyone other than the policeman. Do not engage in a conversation recounting what happened with the other party or anyone else for that matter.

The next step is to get all the information exchanged between you and the other party. It is not enough to get just their name and address. You must exchange all information like name, address, phone number, license number, plate number, and name the contact of their insurance. Also, make sure to make note of their license plate and the make and model of the car. Although this may seem like overkill, you may need it. It is better to have the information now than to search for it afterwards.

Most importantly, do not let anyone tell you that if it was just a small event and that you don’t need to call the police. It is very important to get a police report. If there should be any questions later on about the facts of the accident, it will all be recorded. People’s recollections change and so do their retell of the accident. Making sure to follow the car insurance laws of the state will insure that you won’t have any problems making or settling the claim.

After it is over, make sure to contact your insurance agent immediately to tell them what happened and to file a claim. Do not wait until the end of the day or the next day, contact them immediately. The reason why you have car insurance so that they can handle the fine details of the claim. It is also important to have the very best insurance possible for times when you need it. Just take a moment and fill out your zip code at the top of this page to start saving hundreds per year on your auto insurance costs. Why wait another day to see where your current policy measures up against others? Within moments, you will receive several rate quotes allowing you to make the best choice for your auto insurance needs.