1.) True or False: After an accident, it is best not to touch your vehicles or re-arrange anything about the way the cars are situated.
FALSE: After a crash, it is always best to move your vehicles and all people involved off the road. Unless there is an injury involved that requires that person to remain immobile, you are safer if they are off the road. Moving vehicles will not effect how the claim is processed and this is not considered "tampering with evidence".
2.) True or False: It is perfectly fine to take a picture of the other person's insurance card- no need to write it down.
TRUE: If it is easier, feel free to take a picture of the other person's insurance card. However, make sure it is saved safely and doesn't get deleted. Also, it is very important to make sure you have accurate contact information for the other involved party. You can also easily save this in your phone so you don't have to worry about finding a pen. You could call it at the scene to make sure it is accurate.
3.) True or False: If someone hits you and admits fault, it is imperative that you call your carrier and report the incident.
FALSE: If the other party is at fault, there is no need to get your carrier involved. If there is a discrepancy about fault or if the other carrier is not accepting fault, then getting your agent and carrier involved as advocates is a good idea.
4.) True or False: It is not necessary for you to speak with your carrier when reporting a claim. Your agent can completely report the claim for you.
FALSE: You must be the one to answer questions about the claim/ accident directly with your carrier. Your agent is here to help you along the process and be your advocate, but we cannot fully file the claim for you.
Other Helpful Auto Claims Tips
-Always call the police after an accident. They can write a report that may be helpful for the claims process.
-This is the information you will need when reporting a claim: -When the accident occurred
-Where the accident occurred (be as specific as possible)
-How the accident happened
-What kind of vehicle or vehicles were involved (including the year,
make, and model)
-A description of the damage on each vehicle
-The names and contact information of people involved in the accident
-The extent of any injuries to people involved in the accident
-The names and contact information of anyone who witnessed the accident
-The name of the law enforcement agency that responded and the police
report number, if police were contacted