DO's and DON'T's of AUTO ACCIDENTS

 It's important to know what to do in the event of an auto accident. Be sure to review this with every driver in your household, especially youthful drivers!




DO:            Stay calm.
DON’T:     Get violent - it doesn't help anyone.

DO:          Make sure you and your vehicle are out of harm’s way. Move to the side of the road if possible. 
DON’T:     Park in the middle of the road, unless required, without your hazard lights on.

DO:            Call 911 if anyone in the vehicle is injured. 
DON’T:    Get out of the vehicle if you're injured. Wait for emergency services.
 
DO:       Exchange insurance information with the other party- this is required by law! Just provide your POLICY NUMBER and CARRIER. That is all. No more. And remember to get their policy number and carrier name.
DON’T:   Allow the other party take a photo of your ID card- that contains personal info, like your address. Also, no need to provide the other driver your phone number unless you want a date. 
 
DO:        Understand the situation and what occurred. Write it down later if you’re afraid you’ll forget.
DON’T:  ADMIT FAULT- that is up to the claims adjusters to decide. 

DO:          Take photos of the scene/vehicle damage if possible. 
DON’T:   Do not take selfies. Not the time or place.

DO:         File a claim, if necessary, with the other party's insurance company. If they open a claim with your carrier- the 2 adjustors will duke it out.
DON’T: File a claim with YOUR insurance carrier, unless the other driver does not have insurance and you want to use your policy to make repairs.
 

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