Being involved in a car accident can be a stressful and overwhelming experience. It’s crucial to know the steps to take immediately after the incident to ensure your safety and protect your financial interests. At O1ne Mortgage, we care about your well-being and want to provide you with the best advice. If you need any mortgage services, don’t hesitate to call us at 213-732-3074.

1. Get to Safety

Your safety and the safety of your passengers should be your top priority. If you’re still in the roadway, move yourself and your car (if it’s driveable) out of the path of oncoming traffic. Check for injuries and call 911 if anyone is hurt. If someone is seriously injured, it’s best not to move them.

Accidents on back roads or in the dark can be especially dangerous. Turn on your hazard lights to increase visibility and remain in your car until help arrives.

2. Call the Police

Even after a minor accident, it’s advisable to call the police. A police report can be invaluable when filing an insurance claim, especially if you believe you weren’t at fault. The presence of a police officer can also help keep emotions in check at the scene.

3. Take Photos

Once everyone is safe and the police have been called, start taking photos of the damage to your car and any other vehicles involved. Capture the surrounding area, including street signs, obstacles, and road conditions. These photos will be useful for your insurance company’s investigation.

4. Exchange Information With the Other Driver

If the police are on the scene, they may handle the exchange of information. If not, make sure to exchange the following details with the other driver:

• Full name and contact information
• Insurance company name and policy number
• Driver’s license number
• License plate number
• Make, color, and model of the vehicle

Avoid discussing who was at fault, as this is for the insurers to determine.

5. Call Your Insurance Company

Contact your insurance company as soon as possible to report the accident. Delaying this can result in forgotten details and a longer wait for compensation. Each state and insurance company has different time frames for filing a claim, so it’s best to act quickly.

6. You May Need to Notify the DMV

Depending on your state’s regulations, you may need to report the accident to the Department of Motor Vehicles (DMV). This often depends on the extent of the damage or if there were any injuries. Check your state’s requirements to ensure compliance.

7. Wait—and Take Guidance From Your Insurer

After filing a claim, follow the guidance provided by your insurance company. They may send an inspector to assess the damage and provide a repair estimate. Do not approve any repairs until you have discussed them with your insurer to ensure coverage.

If your car is totaled, your insurer will likely pay for its value minus the deductible. This process can take some time, so be patient and stay in communication with your insurance company.

Conclusion

Being involved in a car accident is never easy, but knowing the right steps to take can help you navigate the situation more smoothly. At O1ne Mortgage, we are here to support you with all your mortgage service needs. Call us at 213-732-3074 for expert assistance and personalized service.