You Got in a Car Accident – Now What? FAQ’s for Recent Auto Accidents

With snowy, slippery roads approaching in the next few months, accidents are more likely to happen. However, a lot of people do not know what the proper procedures are after a car accident. Here are some questions drivers have about the steps to take after an accident.

Do I have to file a police report?

If there’s any chance somebody is hurt, or you’re worried about possible damage to either vehicle, call the police immediately. Even if there is minor damage and no injuries, we still recommend filing a report, but it is not required in the state of Ohio. The officer may give you a citation, but it could be a critical to get a record of exactly what happened in case the other person was to go after you in the future. That report can help defend against claims from the other drivers.

What if I hit a parked vehicle and the owner cannot be found?

You are required by Ohio law to attach a note in a visible place to the damaged vehicle complete with your name, address, and vehicle registration number.

Should I take photos at the scene?

Yes, take photos of the scene as soon as possible, including pictures of your car and the other car, license plates, the street view, any signage or other details you feel is important and could be used for or against you in the future. This avoids issues of having to recall the location and overall situation of the accident. We also recommend gathering witness contact information for the police, as this can be especially helpful if you know you weren’t at fault and want as much as evidence as you can to prove it.

How soon should I file my insurance claim?

As soon as possible! Give your local agent a call as soon as you can, and they will get the claim process started. What is beneficial about working with a local agent is that they will do the work for you and fight to get you the best outcome possible. They are also knowledgeable in answering questions, offering advice, and providing you with peace of mind that everything will be taken care of.

If something serious were to happen to me or a loved one in an accident, how would the police know who to contact?

The Ohio BMV now allows drivers to register their emergency contact information with the agency. By doing so, you enable law enforcement officials to more quickly notify a family member, guardian, or friend if you’re seriously injured in an accident, or are unable to communicate. You must register for this service online or at any license agency location.