Insurance Declassified: A is for Accident

What would you do with 3 seconds? It doesn't seem like much time, but in the case of an accident that three seconds can be the difference between a close call and a claim. Fortunately you can help prevent accidents as quickly as they can happen.

Before an Accident

1. Use the three second rule. Keep a three second follow distance. Count to three after using your blinker before changing lanes. Count to three before proceeding through a stop sign. This is also important at stop lights, where trucks or motorcycles may not be able to stop in time. In the event of an accident it can help to count to three before unbuckling, in case there is a second impact.
2. Be prepared: carry a set of cones, warning triangles or emergency flares in your trunk. It can also help to keep a list of any relevant medical or contact information for you and your family where it can be easily accessed.
3. Before embarking on a trip be sure to check windshield wiper fluid, break and tail lights, and oil levels of your vehicle to prevent any roadside surprises

Immediately After an Accident:

1. Take a deep breath and remain calm. If possible, take a quick photo out of your window of how the cars are situated. Contact the police, even if the accident is minor. Request an ambulance if there are any injuries, or if there is doubt surrounding injury/pain.
2. Turn on the vehicle's hazard lights and use cones, triangles or flares for safety. If the accident is minor move the vehicles to a safe place, out of traffic. Do not exit the vehicle to exchange information with the other driver if they seem agitated or intoxicated.
3. Notify your insurance agent as soon as possible after an accident. You can also file a claims report on our website.

Other Tips

1. Do not sign any documents unless they are for the police or your insurance agent.
2. Make immediate notes about the accident, including specific damages to all vehicles involved, witness information, etc. Take photographs whenever possible.
3. If the name of the other driver's registration or insurance is different than the name of the driver make a note of their relationship to the registered owner or named insured. If possible take the information for any witnesses present.
4. Be polite, however do not tell anyone the accident was your fault or that you are "sorry".
5. Limit your discussion of the accident to the police and your insurance agent. Return to your vehicle and wait for police to arrive if the other driver becomes confrontational.
6. If possible, don't leave the accident scene before the police and other drivers do. This keeps you aware of any developing medical situations that may occur after the accident.

Here at Whitford Insurance Network you have a team of dedicated professionals who will advocate on your behalf in the event of a claim so that you are made whole again, without the hassle.