How to Handle a Traffic Accident
Getting in an accident is nothing that you can plan for, as it always just seems to come out of nowhere. That is one thing that almost everyone who gets in an crash says after it is all over: That it just seemed to happen so fast. They might have made a mistake that caused the accident, and they might not have done anything wrong, becoming the victim of someone else’s mistake. If you ever find yourself in an accident, it is important to know how to handle it so that you can put the unfortunate incident behind you as soon as possible.
First of all, you have to get out your Austin insurance card and exchange information with the other driver. This is especially important if it was not your fault because that person’s insurance is going to have to pay for the damage. You will file a claim with your own insurance company, but they will then track down that other company and get the money back. Even if you are feeling stressed and rather overwhelmed, do not forget to ask for the person’s insurance information. The police who respond to the accident may be able to get this information for you, as well.
Now, if no one was hurt in the accident, the next step is to call your insurance agent while the police are sorting everything out. Initially, you might need to use the insurance to have your car towed. Even if you do not need a tow, it can take some time for the police to go through the whole situation, figuring out who is at fault and what traffic tickets need to be given out, and this gives you time to get in touch with your agent.
Your agent may file the claim for you on your behalf, or he might tell you what number you need to call to get in contact with the claims department for that provider. It all depends on your insurance company. After you get in contact with them, you have to submit your claim, telling them what happened and giving an overview of the damage. You then have to get the estimates from the company that is going to fix the car, which gives them a better idea of the realistic damage and what it will cost, and you have to send in a copy of the report from the responding officer.