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Post accident, tattered nerves don’t necessarily encourage a rational thought process. The accident itself is still registering, and one of the last things on anyone’s mind is gathering the facts necessary to report a claim. This information, however, is simple to collect, and crucial to getting the claim processed as quickly as possible. Beginning with staying calm, the following is a four-step guide for handling an accident and the subsequent claim.

Call the police and emergency services if necessary. Stay at the scene of the accident and, if possible, warn oncoming traffic by placing flares on the road. Keeping flares in your vehicle (as well as an emergency kit, first aid supplies, flashlight, etc.) is a good measure to prevent any further accidents. Don’t admit fault or discuss the accident with anyone other than police or an insurance representative.

Exchange the necessary information with the other driver. Get names, phone numbers, addresses, vehicle makes, license numbers, and insurance information (such as their carrier and policy number). It’s also important to get contact information for any passengers and/or witnesses to the accident.

Examine all vehicles involved. Note and record damage done to vehicles and property. Take pictures of the damage and accident scene if someone has a camera handy. A picture can even be sketched to give a better idea of how the accident occurred.

Call an insurance claim representative. The sooner they are aware of the claim, the sooner it can be resolved. Having all the above pertinent information speeds this process.

Claims can be a headache, but you don’t have to go it alone. For help with a claim, or a free auto insurance coverage review or quote, contact Homer Smith Insurance. Visit our website, e-mail, or call directly: 888-433-0031. An independent insurance agency, we are licensed in Washington, Oregon, California, Nevada, and Arizona.

Erin Stork, Homer Smith Insurance