In a perfect world, every driver would obey every traffic law and street signal every single time. In reality, accidents happen. On average, there are 16,438 car crashes each day in the United States.
Even if you're a flawless driver, you can't always rely on other drivers to be perfect. For this reason, it's a good idea to know what to do (and what not to do) if you're ever involved in an accident.
DO Exchange Insurance Information
Keep a copy of your auto insurance cards in your glovebox or elsewhere in your car at all times. If your insurance company offers digital cards, you might also want to keep a copy saved on your phone for easy access. In the event of an accident, all involved motorists should exchange insurance information promptly. This should include the policy ID number, the name of the insurance carrier, and the agent or other point-of-contact's phone number.
DON'T Admit Fault
Even if you're pretty sure the accident was your fault, it's important not to acknowledge or admit responsibility for a car accident at the scene. This remains true even if you believe you were only at partial fault for the collision. Unfortunately, admitting fault is something that can be used against you later on and may prevent you from being able to collect on your otherwise eligible insurance claim.
DO Insist on a Police Report
No matter how minor the accident may seem, it's always a good idea to file an official police report with the local police department or state highway patrol. The only exception to this may be an accident that occurs on private property, which a police officer will likely not be able to write an accident report for. After filing a police report, be sure to obtain the report number from the responding officer so you can request a copy of the full report when it is complete.
DON'T Put Off Calling Your Agent
Your health and safety should always be the top priority after a car accident. However, as soon as you're safely able to do so, it's important to contact your auto insurance agent to report the incident and get the ball rolling on the claims process. Don't make the mistake of failing to report an accident to your insurance company, as this could come back to haunt you in the form of suspended coverage later on. Start the process right away by contacting services like Kesner Insurance Agency Inc.