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Five Things to Do When You Wreck Your Car

– Posted in: Auto Insurance, Everything Auto

Wrecking your car can be one of the most stressful and intimidating moments of your life. For those that do not know how to handle it, it can also be one of the most financially disabling. Knowing what you should and should not do ahead of time can literally save you thousands of dollars and protect your good driving record. Here are five things that you should always do when you are involved in a car wreck.

Five Things to Do When You Wreck Your Car

Move everyone to safety

Before doing anything else, you should first make sure to get out of the road. Countless tragedies happen every single year because people hang out around their vehicles after a wreck. Move everyone to the side of the road and get away from the vehicles. People will often get distracted while staring and the last thing you need is a second tragedy on your hands.

Call the police

Once everyone is safely out of the road, call your local police station for help. There are those that will try to talk you into not calling the police and you should not give in to such requests.  Not reporting the wreck to authorities can compromise your insurance claim and get you into big legal troubles. Always call the cops.

Exchange Insurance information and contact details

When you’re obtaining information from the other driver, make certain that you write it down yourself and that you are taking it off of their documentation. Often things get lost in the mix, either on purpose or by accident, when the other driver reads it off to you. Take it down yourself or let the police officers handle it.

Take pictures

Although pictures are not required, having them can go a long ways towards proving your case if fault is unclear. Shoot pictures of the damage to your car as well as others. Also shoot pictures of the roadway and various intersections that might be involved in the wreck. Try your best to shoot them from angles that will be helpful in determining where you were upon impact. During this entire process, never admit fault or apologize as it might be used against you in future proceedings.

Contact your Insurance agent

Before any of the parties involved leave the scene, you should try to contact your local insurance agent and start the claims process. By having the police officers there and the other people that were involved, you may be able to get information to help speed up the process. Never wait to call your agent until after everyone is gone. You can be sure that information you needed left with them.

Have you ever involved in a car wreck (God forbid) before? What were your experiences? Following any or all of these practices helped you in anyways to speed up the payout from your Insurance company and solve your claim?


10 Comments… add one
Robin (Masshole Mommy) December 10, 2013, 7:13 am

Great list! I have been in two accidents and did all of these things both times. Calling the police is so important to make sure everything gets documented.

elaine schoch December 10, 2013, 1:26 pm

I hope to never have to use these, but they’re good to know.

Jenn December 10, 2013, 4:23 pm

Very important tips! Sometimes we forget the little things when we are in a stressful situation, I know I have been guilty of missing a few steps. I have been in a few fender benders and taking pictures was one of the things I always forgot to do.

Cher December 10, 2013, 7:42 pm

Great info – I’m going to make sure my son has a copy of these tips in his glove box, too!

Kristen from The Road to Domestication December 10, 2013, 11:36 pm

These are great! (My hubby and I both work full time in insurance and wish some of our policyholders had this list LOL) And I love your header!

Tammy December 11, 2013, 2:43 am

I was in a wreck 2 years ago, and I did all of this except the pictures from all angles. I’m so proud!!

katherine December 11, 2013, 7:06 am

Wonderful tips! I will make sure to keep them in mind

Steph @ From the Burbs to the Boonies December 11, 2013, 10:22 am

Taking pictures is such a good idea, and something I always forget. A person will want to know later what happened and to show their insurance. I would also add, Stay Calm! Too often people really get upset and there is no reason for that and no good. Great list!

Rae Buchanan December 11, 2013, 10:47 am

My sister and mom got in a wreck with my SUV and it was totalled. They were basically fine, thankfully. They only missed the part of taking pictures. Now that we all have handy dandy cell phones, that should never happen again.

Elle December 11, 2013, 5:35 pm

Hi Vinma Haven’t been in anything other than a fender bender, but these tips hold good in all events. Thanks for the clarity.

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