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An Accident Checklist: Are You Prepared?

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An Accident Checklist

Are You Prepared?

Getting into an auto accident is never a pleasant experience. Even if the damage is minor, it can still be a jarring event. If you find yourself in this situation, it's important to know what to do in order to protect yourself both legally and financially. This blog post will give you a step-by-step checklist of what to do if you're ever involved in an automobile accident.

Pause a moment. 

Take a deep breath and try to stay calm. This can be difficult, but it's important to remain level-headed so that you can think clearly and take the appropriate actions. 

Evaluate the situation.

Check yourself and your passengers for injuries. If there are neck injuries and no immediate danger from the car (smoking, fire, leaking gasoline), do not move the injured.

Make the calls. 

If there is property damage that suggests danger (leaking fluids), call 911 and report the accident to the police. If there’s a bump with no dent and it can be handled, call the Independence police’s non-emergency number at (816) 325-7300.

Exchange numbers.

Exchange information with the other driver. Be sure to get their name, phone number, insurance company, and policy number. If there is any reluctance on the part of the other driver, do not argue or demand– the police will gather this information.

Take pictures.

Once the injured people are tended to, take pictures of the damage to both vehicles as well as any skid marks or debris on the road. These pictures will be helpful when filing an insurance claim. 

File your claim.

Contact your insurance company and file a claim. They will likely ask you for all of the information that you gathered. 

Follow up.

Follow up with your insurance company periodically to check on the status of your claim. If possible, get everything in writing so that you have a record of your conversations. 

Keep the receipts.

Keep track of any expenses related to the accident, such as medical bills, car repairs, or rental cars. These expenses will be important when dealing with your insurance company or the other driver's insurance company. 

Seek counsel.

Hire an attorney if necessary. If the other driver is uninsured or underinsured, you may need to hire an attorney in order to get the compensation that you deserve. 

 

No one wants to think about getting into an car accident, but it's always important to be prepared just in case something happens. By following this simple checklist, you can safeguard yourself both legally and financially if you're ever involved in an automobile accident.


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