- First and foremost, pick proper insurance. Having an insurance policy that protects you in the event of an accident and ensures you will not also have financial worries in addition to stress about your health following an accident is essential.
- Next, make sure you know the basic rules of the road and how to avoid an accident. Sometimes, no matter what mistakes other people make, defensive driving can prevent you from a serious crash.
- If an accident does occur, it is important to know what actions to take immediately after. This depends on your health and the overall severity of the crash, but in general, you will want to exchange insurance information and take photos of the accident scene.
- Even if the accident seems minor, it is important to have your car looked over by a professional. Sometimes an accident causes unseen damage to a car, which could affect its safety and result in a more serious accident in the future.
- If you choose to file a claim with your insurance company, it is important to understand how easy it is. There is no reason to be intimidated, especially if you did not cause the accident. Remember, you are paying for insurance and you are the customer, so if you are not treated with respect or you are threatened with much higher rates, you are free to shop elsewhere for better coverage.
- And if the insurance company of the other driver involved in the accident contacts you and asks for a statement, tell them to contact your attorney or simply refuse to speak to them. They are not working for you.
If you are unsure what to do after an accident or the time has come to shop around for a new insurance rate, we can help. Use our free search tool to find the best rates in your area.