In case of accident

No one likes to think about having an accident, but chances are that one day every driver will have one—even if it’s just minor.  The fewer the better, as you’ll learn when you get Michigan car insurance quotes but should you have an accident, your insurer wants you to know exactly what to do.  It is vital that you know these steps before you turn the ignition on in a car, which is why it matters that you educate your teen driver about this procedure before they drive solo.

  1. Call 911 for medical help if it is needed. The most important thing is to be sure that any injured victims are treated immediately. Even a few minutes lag can make a difference. So make 911 your first call if someone is hurt.
  2. The police must be called. Your insurance carrier is going to want a police report number for any claims and the police need to investigate to determine what happened and who is at fault.
  3. If there are witnesses, get their contact info—name, address, phone number and email address. Witnesses often only step forward at the front end and aren’t going to hang around– so quickly get their info before they go about their day.
  4. There is a reason insurers give you those little wallet cards. One should be kept on your person and one in the glove box of the car. That information will have to be exchanged with the other driver. You need contact info for anyone else involved in the accident, as well.
  5. Teen drivers who are minors should be taught to call their parent or another adult responsible for them as soon as possible.
  6. You might quietly take some photos of the damage for your insurance company.
  7. It is important not to make statements about who is at fault—the police will investigate. It is so important to tell them what happened from your point of view.
  8. Notify. They will have forms to fill out, claims to file—be sure you ask about what you need to do next and what the process is.
  9. Even though most car accidents happen within a few miles of home, you may need your vehicle towed. Your insurance may cover that—be sure you know what your options are.