One of the best ways to deal with an accident is to be prepared for one. But should you do when the unexpected happens and you find yourself involved in a collision? Being in a car accident is scary, but things may only escalate if you find out the accident is with an uninsured driver. Don’t panic – Farm Bureau Financial Services offers 6 steps to take when getting into an auto accident with an uninsured motorist.
Contact the police. As with any accident, you should notify the police. This is even more important when the scene involves an uninsured driver. When the unexpected happens, having a police record and an accident report will help in getting your expenses covered and help you with a smooth claims process.
Document the scene. When your vehicle is damaged and you decide to file a claim with your auto insurance company, you want to make sure you get fair compensation. While you might be shaken, it’s important to gather evidence to support your claim; take notes to help you remember what happened. Think about: 1) who was driving; 2) what led to the accident; the speed you were driving; current road conditions; were there any distractions – texting, talking on the phone. If you have a smartphone or camera with you, take some pictures of the accident scene to include damages to all involved vehicles.
Exchange information. With police at the scene, they’ll take down the other driver’s information, but it’s also vital that you do, too. Keep the list below in mind after the accident:
- Driver and passenger names
- License plate numbers
- Drivers License Number and the state it was issued
- Insurance information
- Makes and models of all vehicles involved
- Contact information of any eyewitnesses
- Location of the accident
- Name/badge number of any responding police officers
Contact your insurer. What your insurance company will be able to do at this point may depend on a few other things – such as how much damage there was, along with the coverages and limits specific to your policy. There are also a couple of states where you may have additional coverage for damages caused by Uninsured Motorists involving certain types of accidents.
Take care of yourself. If you’re injured in the accident, you’ll likely have some medical expenses. Your claims professional will explain how these benefits apply towards your medical bills and lost wages. It is very important to work with your agent in selecting adequate coverages to pay your medical bills in the event you are injured by an Uninsured Motorists.
Repair your vehicle. Just with any accident, talk to your insurance company for guidance on the process to get your vehicle repaired.
If you drive or own a vehicle, you need auto insurance. Ask your Farm Bureau agent about auto insurance and help protect your precious cargo.