That was unexpected! Another driver crashed into your car. That event was bad enough but after making sure everyone is okay and getting home safely it’s now time to get busy making a claim for your damages.
Working with your car insurance company after an accident can be a time-consuming hassle. Now imagine what it’s like to deal with the insurance company of a person you don’t know who hit your car.
Gather necessary information
The driver who crashes into your car is responsible for reporting the accident to his or her car insurance company. However, make sure you contact their insurer as well. Motorists who cause accidents are often reluctant to report them.
It’s vital to get complete information on the other party at the accident scene. Collect the following:
- Other driver’s name and address
- Other driver’s insurance company name and policy information
- Statements and contact information from witnesses
- Take pictures of the accident scene — most smartphone cameras are suitable. If you can take pictures of the cars as they sit right after the accident it is best. If you had to move due to safety concerns, then take photos of the damage to each vehicle.
All of the evidence gathered at the scene to bolster your position on the cause of the accident.
Check to see if your car insurance company has a mobile app that can help you document the accident while at the scene. Some of the best car insurance companies have apps that come with an accident checklist and tell you how to best gather information so you can make a claim with it or the other party’s insurer.