The year 2017 saw the lowest number of traffic fatalities in 74 years with 348. That is the lowest since 1943, which saw 274, and the second lowest since 1926 which saw 326, according to Minnesota Department of Public Safety’s Office of Traffic Safety.
And while that is great news, we know that car crashes and fender benders still occur every single day. In light of that, here are 6 steps you should follow if you’ve been involved in a car accident:
If you or any of your passengers are injured, call 911 (or have someone else do it) and wait for emergency personnel to arrive with help.
Assuming you are not injured, move yourself (and if you can, your car) out of the way of traffic.
It is important to call the police and report the incident. An officer will arrive on the scene to fill out an accident report and document the scene.
Talk to witnesses and get their contact information. Also, take photos of your car, as well as the other car involved in the accident. Take a picture of their license plate, too, and ask the police officer when the police report will be available and how you can get a copy.
You can start the claims process without notifying your agent by contacting your insurance company directly; however, it is always a good idea to contact your agent first. I prefer my clients call me first so I can answer any coverage questions and guide them through the next steps.
A car accident can cause a great inconvenience and a lot of stress. It is important to take care of yourself if you’ve been involved in a crash.
In Minnesota, your policy has coverage for medical care and work loss which can include, but is not limited to, chiropractic care, massage therapy, and other services that address an injury sustained from the crash, temporary household assistance, reimbursement for mileage to appointments, plus lost wages up to a certain amount.
In addition, it’s important that you understand what your policy covers – and what it doesn’t. You’ll want to understand your deductible, which is the amount you’ll have to pay for any repairs before your insurance kicks in, as well as if your policy includes rental reimbursement coverage, which will pay for any rental vehicle you may need while your car is being repaired.
We know the wrench car accidents can throw at our clients, and that’s why we are here every step of the way, working with you and the insurance company to get your car back to you as quickly and effortlessly as possible.
If you want to get a review of your current policy, or if you are looking for a new one, please contact us. We are here to help.