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?

Being involved in a car accident can be a stressful and overwhelming experience. It’s essential to know the right steps to take immediately after an accident, both for your safety and to protect your rights. This guide answers frequently asked questions (FAQs) and provides you with practical advice on what to do following a recent car accident.

 

Immediate Steps to Take After a Car Accident

When you’re involved in a car accident, it’s important to stay calm and take the necessary steps to protect yourself and others. Here’s a breakdown of what you should do:

1. Check for Injuries

Assess yourself and others involved in the accident for injuries.

If anyone is hurt, call 911 immediately and request medical assistance.

2. Ensure Safety

Move to a safe location if possible.

Turn on your hazard lights to alert other drivers and prevent further accidents.

3. Call the Police

In most cases, you’ll need to report the accident to the police.

The police will document the scene and create an accident report, which may be required for insurance claims.

4. Exchange Information

Exchange names, addresses, phone numbers, insurance details, and license plate numbers with the other party involved.

Take note of the make, model, and color of the other vehicle.

5. Document the Scene

Take pictures of the accident scene, including vehicle damage, license plates, and any visible injuries.

If there are any witnesses, ask for their contact information.

Common Questions and Answers Post-Accident

Q: Should I admit fault after an accident?

A: No, do not admit fault at the scene of the accident. Even if you believe you were at fault, leave it up to the police and insurance companies to determine responsibility.

Q: What if the other driver doesn’t have insurance?

A: If the other driver is uninsured or underinsured, your own insurance may cover the damages. This is where having uninsured/underinsured motorist coverage is beneficial.

Q: How do I file a claim with my insurance company?

A: Contact your insurance company as soon as possible to report the accident. Provide them with the necessary documentation, including the police report and photos. Your insurer will guide you through the claim process.

Q: Should I seek medical attention even if I don’t feel injured?

A: Yes, it’s always a good idea to see a doctor after an accident, even if you feel fine. Some injuries, like whiplash, may not show symptoms immediately.

 

Preventive Measures for Future Safety

Although you can’t always prevent an accident, there are steps you can take to reduce the risk of being involved in one:

 

1. Drive Defensively

Stay alert and anticipate the actions of other drivers.

Keep a safe distance between you and the car ahead, and always use your seatbelt.

2. Keep Your Vehicle Maintained

Regularly check your brakes, tires, and other essential vehicle components to ensure everything is functioning properly.

3. Use Technology for Safety

Utilize features such as backup cameras, lane departure warnings, and collision alerts to improve safety while driving.

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.