Being in a car crash is tremendously frightening, especially when it’s your first time; however, knowing the next steps to take can lower the fear and stress after the impact. 

 

From collision to claim, here are the next steps to take after a crash: 

 

Check for injuries. 

After a crash, make sure to check yourself and other passengers for any injuries. If anyone is hurt, call the police to get help. Make sure you're safe.    

 

Call the police/tow truck company. 

After the crash, call the police to report it, even if the vehicles involved aren’t damaged. Calling the police is also important in case there’s an emergency or someone needs medical attention. If your vehicle sustained damage that has made it inoperable, call a tow company to bring your vehicle to a mechanic. In addition, sometimes tow truck companies require a police officer to be present at the scene while your vehicle gets towed.  

 

Exchange information with those involved in the crash/document the crash scene. 

First, collect the names and phone numbers of those involved in the crash. Then, collect driver’s license numbers, license plate numbers, vehicle information, insurance policy numbers, and phone numbers of the insurance companies. This information is important to collect in case no one else reports the crash and for when you report it to your insurance company. Do not share any other personal information, coverage options, and avoid discussions about road responsibility.  

It’s also important to take records of the crash scene, your car’s damages, and any medical injuries for the insurance company and the claim. 

 

Contact your insurance agency. 

No matter who was at fault, contact your insurance agency as soon as possible to report the crash. The professionals can help you navigate the next steps. 

 

Make an insurance claim. 

One way to make a claim is to call the insurance company of the person who crashed into you and their insurance agency will take care of the rest.  

 

However, sometimes you might need to have your own insurance agency take care of it. There are several different reasons why you may need to have your own insurance agency take care of it. This may include living in a no-fault state, or simply deciding to have your own insurance cover it.

 

Different types of claims require different types of insurance coverage: Collision coverage, liability coverage, and personal injury protection. Your insurance agency will help guide you with the options that are available for you.    

 

If you’re looking into getting coverage or wanting to add or change coverage, remember the Insurance Network Agency can offer you options and guidance.