What to Do When 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)

  • If the accident is minor and no one is injured, contact the local police department. 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. 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. 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

  • An adrenaline rush is common after being in a car accident, 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. 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. 

Defining Insurance Jargon

Insurance has your back by ensuring your assets are covered, but insurance jargon can often get in the way of you clearly understanding your policy. To help make sense of your insurance policy, here are 10 common insurance terms that could help when both reviewing policies or speaking with your agent.  

Line(s) of Insurance: A class of type of insurance e.g. home insurance, auto insurance, commercial insurance, etc. 

  • Example: Charles has two lines of insurance with OKFB: Auto Insurance and Farm & Ranch Insurance.

Deductible: A specified amount of money that a policyholder must pay before an insurance company will pay a claim. 

  • Example: Esther has to pay a deductible of $300. After she pays her deductible, OKFB will pay the remainder of the claim that is stated in her policy.

Claim: A request or demand for payment from an insurance carrier, as defined in the policy.

  • Example: Carl and Robert filed a claim after a tornado impacted their car and farm. See how Billy and the rest of our team immediately worked to fulfill it here.

Coverage: The extent an item or property is insured in the event of an accident. 

  • Example: Daniel got a full coverage auto insurance policy with OKFB, so he is covered in the event that he is in an accident. 

Umbrella Coverage: Provides higher limits of protection against bodily injury or property damage claims by a third party. 

  • Example: After careful consideration, Anthony decided that umbrella coverage would offer greater protection and peace of mind.

Risk: The chances a loss could potentially occur. 

  • Example: Christie carefully explained the risks associated with lower coverage insurance policies, so I opted for more coverage. 

Policy: The contract between a policyholder and insurance carrier. 

  • Example: Lauren has an auto insurance policy with OKFB Insurance, so OKFB insures her vehicle in the case of an accident.

Premium: Cost an insurer sets for the coverage listed in an insurance policy.  

  • Example: Marco’s premium for his homeowner insurance is $1,200, so he pays $100 every month. 

Quote: An estimate of premium for a specific line of insurance/policy. 

  • Example: Ashley just bought a new home and was looking for the best coverage on Home Insurance, so she used OKFB’s Instant Homeowners Quote to find OKFB’s prices.

Dwelling: A place of residence, e.g. a home, mobile home, etc. 

  • Example: After talking to my agent, I got Dwelling Fire Insurance on my vacation home in Broken Bow. 

Check out our glossary for more common insurance terms. If you have any questions or want further clarification about an insurance term contact your OKFB agent. Also, don’t forget to check in regularly with your agent to ensure your coverage is up to date. We’re here to help you through the unexpected.

OKFB Discounts All In One Place

Does OKFB offer discounts? What types of discounts does OKFB offer? Do I qualify for any discounts with OKFB? This is the blog you’ve been looking for! We have compiled the array of discounts we offer across our lines of Auto Insurance, Home Insurance, Recreation Insurance, Farm & Ranch Insurance, Commercial Insurance and more. Contact your agent to see which discounts you are eligible for!

Auto Insurance Discounts  

We offer five discounts under our auto policy. You may be eligible for a discount if you have more than one policy with us, multiple vehicles and more! Keep reading to see where you may qualify. 

  • Scholastic Discount
  • Defensive Driving Discount 
  • Driver Longevity Credit 
  • Multi-Vehicle Discount
  • Companion Discount 

Home Insurance Discounts

Is your home less than 10 years old? Do you have an alarm system installed? If so, these are just a few ways you could qualify for a Home Insurance discount. Keep reading to see if you qualify for other Home Insurance discounts.   

  • New Home Discount
  • Burglary or Fire Alarm Discount 
  • Claims-Free Discounts
  • Companion Auto Discount
  • Approved Roof Discount
  • Tie Down Credit

Farm & Ranch Insurance Discounts

We offer discounts for our Farm & Ranch Insurance, as well as for those that may have a Farm Auto, Farm Fire or Farm Renters policy. Keep reading to learn more!

Farm & Ranch 

  • New Home Discount
  • Burglary or Fire Alarm Discount 
  • Companion Auto Discount
  • Approved Roof Discount

Farm Auto 

  • Defensive Driving Discount
  • Scholastic Discount
  • Companion Home Discount
  • Multi-Vehicle Discount
  • Companion Umbrella Discount
  • Approved Grill Guard

Commercial Insurance Discounts

We offer discounts to help out small businesses! If you are a Dwelling Fire – Tenant Occupied policyholder then check this out. You may be eligible for these discounts. 

Dwelling Fire – Tenant Occupied

  • Approved Roof Discount

Discount Eligibility

  • Approved Grill Guard: Trucks with a qualifying grill guard may qualify for a discount on collision coverage.
  • Approved Roof Discount: If you have a U.L rate class 3 or 4 roof surfacing installed, you may be eligible for a discount. Check here for a list of approved roof surfacing.
  • Burglary or Fire Alarm Discount: If you have an alarm system or fire alarm in your home, you may be eligible for a discount based on the type of alarm you have installed. 
  • Claims-Free Discounts: If you have had no insurance claims on your OKFB Homeowners insurance policy for the last three years, you may be eligible.
  • Companion Auto Discount: If you also have an auto policy with OKFB, you may be eligible. 
  • Companion Discount: If you also have other policies through OKFB, such as a Homeowners or Farm & Ranch, you may be eligible for companion discounts. 
  • Companion Home Discount: Policyholder has an active owner occupied property policy with the company. 
  • Companion Umbrella Discount: Policyholder has an active or farm umbrella policy with the company. 
  • Defensive Driving Discount: May be eligible for those who complete a minimum six hour accident prevention course approved by the Oklahoma Department of Public Safety. Approved courses are often offered through your county Farm Bureau. 
  • Driver Longevity Credit: Drivers who have been insured with OKFB for at least one year may receive premium credit based on a combination of their longevity with OKFB and driving record. 
  • Multi-Vehicle Discount: A multi-vehicle discount may apply when two or more vehicles are insured with OKFB.
  • New Home Discount: If your home is 10 years old or less, you may be eligible for a discount.
  • Scholastic Discount: This discount applies to specific auto coverages for classroom academic excellence to eligible full-time students who meet specified requirements.
  • Tie Down Credit: If your mobile home uses approved tie downs to better secure your home, you may be eligible for this discount. 

If you have any questions or want to learn more about eligibility and discounts contact your OKFB agent. Remember, we’re your partners in life and are here to help during any situation!

Holiday Travel Tips

The holiday spirit is in full swing and with it comes spending time with loved ones and enjoying the peace as the year begins to wind down. If you have plans to visit family or friends, consider these travel tips, whether you’re road-tripping or flying this holiday season. 

Focus on Scheduling

The end of the year can get quite hectic. Planning ahead is crucial for staying sane and avoiding feeling overwhelmed. One thing to remember is that the day before Thanksgiving and Christmas Eve are the most heavily traveled days of the year. If possible, schedule your travel for several days before and several days after the holidays to save money and time by avoiding peak road and air traffic.

Prioritize Disinfectants and Sanitizers

Regardless of if you’re driving or flying, it’s important to travel with a supply of hand sanitizer and sanitizing wipes. Winter is peak flu, cold and virus season so you’ll want to take steps to ward off these germs. Aim to wipe down high-touch surfaces, like car doors, seat belts and armrests, and remember to clean off hands before eating or touching your eyes, mouth or nose. 

Don’t Forget These Items

  • Passport – Nothing is more frustrating than arriving at the airport and realizing you don’t have your passport. Put this at the top of your packing list! 
  • Important documents – This may be car insurance cards, health insurance cards, boarding passes, etc. Any documents that might be helpful in case of an emergency.
  • Snacks – Traveling takes lots of energy and time, so be prepared by having some snacks on hand for the whole family. A reusable water bottle is a good idea as well. 
  • Don’t forget to check under the hood and/or your flight information. It’s always a good idea to ensure your vehicle is good to go, and it never hurts to double-check flight times and terminals.

Protect Holiday Gifts

If your travel plans require bringing gifts along, it could be helpful to hold off on wrapping the gifts until after you’ve reached your destination. This could make packing easier and help the wrapping stay in good condition. Additionally, if flying, it might help to ship the package ahead of time to the end destination, so you have one less thing to worry about when traveling.

Stay safe this holiday season! If driving, contact your OKFB agent to make sure your auto insurance is updated. Additionally, check-in on your home insurance if you’re going to be gone for a while. All in all, we wish you all the best and hope you have a merry holiday!