Wednesday, October 28, 2009

What Should I Do if I'm in an Auto Accident?

Five things:


First, if you are seriously injured and have any trouble moving around, do nothing and wait for help to arrive.  You can make injuries worse by over-exerting yourself in this situation.


Second, if you are able to move around, call for help and exchange names, license numbers and insurance information with anyone else involved in the accident.  If another driver doesn't have a valid license or insurance information, report this to 911 and get as much information -- VIN numbers, license plate numbers, etc. -- as you can.


Third, submit a DMV report within three days.  You are required to submit a report if there is $1,500 in property damage or an injury, but you have no way of telling if the other driver is injured or how much the property damage will be.  The safe approach is to submit a report.


Fourth, get the medical care you need.  Most auto insurance policies pay for medical expenses, lost wages, and some other expenses for a year after an accident, subject to a limit on how much will be paid.


Fifth, report the accident to your insurance company.