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What Should You Do If You’re In an Accident? 

Whether you are involved in a minor fender bender or serious collision, an auto accident is a stressful experience for any driver. It is important to try to remain calm and know what to do.

The following tips can help you before, during and following an accident. Before an Accident

Make sure you are sufficiently insured – Read your policy carefully to understand the types of coverage you have purchased and the limits of your coverage. Discuss with your agent or broker what your benefits would be in the event of an accident.

Keep your insurance information (and vehicle registration) available at all times –You will be required to present your license, proof of insurance and registration if you are involved in an accident or traffic stop. (Keep a disposable camera with your insurance information – Use it to take pictures at the scene of an accident, including any damage to vehicles and the number of people involved.)

Look for a reputable repair shop – Establish a good working relationship with a repair facility before you need one. You can choose your own licensed repair shop, and insurance law requires that the insurance company attempt to reach an agreement with it regarding the cost to repair your vehicle. If not, the insurance company is obligated to identify other licensed shops that can make repairs at the price determined.

At the Scene of an Accident

Stop the vehicle and remain at the scene – If possible, move out of the way of oncoming traffic, but do not leave the area. Switch on emergency flashers and put out flares, if possible, to alert any oncoming traffic.

Call the police – Report the accident and if necessary, request medical assistance.

Obtain information – If possible, write down the following: