07/02/2021

What to Do if You Get in a Car Accident

,Whether you just got your license or have been driving for years, it is important to know what to do if the unexpected – a car accident – happens. Knowing what to do after being in a car accident can help ensure the right party is held accountable and that your vehicle is covered. Here is a step-by-step guide on what to do if you get in a car accident. Be sure to bookmark this for future reference!

Step 1: Stay Calm 

  • It can be easy to feel angry at the other driver. However, it’s important to not escalate the situation and it’s critical to stay calm and collected. Take a breath, assess your situation and determine if you need to exit your vehicle. 

Step 2: Contact Your Local Police Department (911, if an emergency)

  • Contact the local police department if the accident is minor and no one is injured. The authorities will document the scene and ensure important details are noted. These details will help when you are filing a claim with your insurance company.

Step 3: Don’t Admit Fault

  • It’s important to not apologize for the situation or admit that you were the cause of the accident. There could be factors that you aren’t aware of, and the authorities and insurance company will ultimately decide the responsible party. 

Step 4: Document the Scene and Exchange Information

  • The authorities will take note of the details, but it is important for you to have the other driver’s information too. For instance, take photos of both cars (or more, if involved), license plates and makes and models of the vehicle(s).
  • Along with having photos of the scene, it is important to exchange information with the impacted parties. For instance, some information to collect:
    • Name of the driver(s)
    • Driver’s license number and state they reside in
    • Driver’s insurance information
    • Contact information of any eyewitnesses
    • Date, time and location of the car accident
    • Name and badge number of the responding police officer 

Step 5: Relocate Your Vehicle 

  • If you aren’t able to drive your car after the accident, you will want to have your vehicle towed. In this case, as an OKFB member, you have access to Roadside Rescue. With Roadside Rescue, you have some access to free towing services. 

Step 6: Be Aware of How You Are Feeling

  • After being in a car accident an adrenaline rush is common and could lead you to believe you are not injured. Be mindful of how you feel and see a doctor if needed. 

Step 7: Contact Your Insurance Agent or Company

  • Now it is time to file an auto claim. At this point, ensure you have all the information you collected and a copy of the police report, so you can share it with your insurance company. 

Along with knowing what to do if you get in a car accident, it’s good to ensure your auto policy has the coverage you need. Contact your OKFB agent today and discuss if your Auto Insurance policy has the appropriate coverage. 

Woman on the phone after getting in a car accident