A. STOP Immediately and move only if it is safe to do so.
by Admin
Posted on 05-08-2023 03:26 PM
Alert your agent and your insurance company as soon as possible after having a crash. Take notes when speaking with your agent or adjuster. If you need to ask questions later, you'll have information to reference in front of you. One other thing: if you have injuries, the adjuster may ask some detailed questions about the injuries, that's part of the process.
Below are a few tips of what to do immediately after an accident :
move your vehicle to a safe location if you can do so safely. Turn engine off and if you can do so safely, exit the vehicle and move to a place of safety.
If you are involved in a car accident , immediately take safety measures and turn on your hazard lights. Remaining stopped on a roadway can put you and others at risk of another accident. If it’s safe to do so and the vehicle is operable, move it off the roadway, if necessary. If you have reflective triangles or other safety devices in your vehicle, use them to help alert other motorists that there’s a stopped vehicle ahead. Be aware of oncoming vehicles before you place them on the edge of the roadway. Check on all involved in the accident, if it is safe and you are able to do so.
In general, insurance companies are required to do the following:
Many times, the first person who will call you is a claims adjuster. This person works for your insurance company. It may be a “staff adjuster” employed by your insurance company, or it may be an “independent” adjuster. (an independent adjuster works for a private company, but has been hired by the insurance company. ) they are going to ask you a series of questions, generally in this order:
1. Where is your car located
2. Is your car damaged?
3. What happened in the accident?
4.
Was anyone hurt?
they want to know where your car is located to make sure that it is not accruing storage charges from a tow shop.
Claims adjustors from your car insurance company use a combination of dealer surveys, value guide books, online pricing sites and actual private party sales to determine your car's actual cash value (acv). They also factor in things like sales tax, registration and title costs of a replacement vehicle to determine this amount. Proprietary as they are, these determinants can vary from company to company and state to state. Ultimately, then, what one company comes up with may not match what another may find, or even what you'll come up with on your own, using consumer web sites like edmunds.
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