8 Tips for How to Handle a Car Accident


8 Tips for How to Handle a Car Accident

Summertime is here and with it brings vacation, vacation, vacation! If you’re planning a road trip this summer, be sure you have the right auto insurance coverage in place. Whether your fault or not, accidents can create a lot of stress.

Knowing what to do if you are involved in a car accident is crucial to avoiding undue stress. Knowing what is expected can help make an unpleasant situation more bearable and help you avoid unnecessary liability, time, and expense.

1. Call the police. If you are involved in an auto accident, either you or someone who is with you needs to call 9-1-1 immediately. Even if you have not sustained injuries or property damage that you are aware of, you must wait for the police to arrive so that you can report the accident.

2. Do not talk about the incident to anyone. Speak only to the responding police officer. Call your Texas Insurance and Financial Services, Inc. agent right away.

3. Be polite, even if you are really upset. When people get in car accidents, they are often more reactive than normal. Don’t start blaming the other driver. If the other driver is rude to you, get in your car, lock the door, and wait for the police to arrive. If there is a question about who was at fault in your accident, being overly emotional may potentially bias the reporting police officer against you to the point that he or she could give the other driver the benefit of the doubt.  It is important to remain calm, cool and collected when giving your statement.

4. Get all contact information from all drivers:

– Full name

– Address, phone number and email

– Insurance company’s name and phone number

– Insurance policy number

5. Be respectful to the police officer completing the accident report. Don’t go into great detail about what happened because you may not be thinking straight and these reports are very hard to change after the fact. They will, however, be used as evidence by the insurance companies. Be cooperative and answer his or her questions to the best of your ability.

6. Take photographs of both vehicles and the scene of the accident. If one or both cars were totaled and you have no camera or cell phone, you can find out from the reporting officer where the cars are going to be towed and go to the lot later and take photographs of both the inside and outside of the cars. Pictures can help either prove damage or disprove damage.

7. Call your insurance company and report the accident as soon as possible with detailed specifics. Their contact information is located on your insurance ID card. You will need to report the following:

– How the accident happened

– Time and location of accident

– Motor vehicles in the accident – cars, trucks, bikes, etc. Include the make and model of each car involved

– Contact information for those in the accident

– Injuries sustained in the accident

– Witness contact information

– Police report number, police jurisdiction in which the accident occurred; your insurance company will need the police report number to investigate any claim

8. See a physician immediately or as soon as possible after the accident. Even if you believe you have only a few bruises, it is important to document all injuries, no matter how minor. If you have sustained serious injuries, documenting the injuries, including taking photographs of the injuries, can play a significant role in any insurance settlement.

The above information will help you streamline what can be a complicated, scary and confusing process.

We Are Here for You Before, During and a Car Accident

Texas Insurance & Financial Services, Inc. is with you every step of the way. We will make sure you have the proper auto insurance and help you through the claims process should you be involved in an accident. To learn more about what to do after a car accident or to schedule your FREE insurance review, please contact us at 800-541-9849.

Meet the TXINS TeamLori Tupa

There’s a lot to love about Lori Tupa, Life & Health Customer Service Representative. She is one of the most caring people you’ll ever meet and her passion for helping others shows in her dedication to providing outstanding customer service to all TXINS customers. Lori is a ray of sunshine, willing to pitch in whenever and wherever help is needed. The office is a happier place with Lori around!

To learn more about Lori and all of the fun things that make her so special, click here.

Did You Know?

– The longest day of the year occurs on either June 21st or 22nd.

– June is National Candy Month. It is also National Fresh Fruits and Vegetables Month. Talk about your polar opposites!

– June 11th is National German Chocolate Cake Day. To find a yummy German Chocolate cake recipe and learn more about this fan favorite dessert, click here.

– The very first baseball game was played on June 19,1845, in Hoboken, New York.

Sun Safey

– Choose a sunscreen, preferably waterproof, with a protection level of at least SPF 15. Make sure the sunscreen is “broad-spectrum,” so it blocks both UVB and UVA rays.

– Apply sunscreen approximately 30-45 minutes prior to exposure. Re-apply every two hours or after swimming.

– Use sunscreen even on cloudy days because the sun’s rays still pass through clouds. The sun’s rays can also bounce back from surfaces such as sand and concrete.

We LOVE Referrals!

If you love Texas Insurance & Financial Services, Inc., tell a relative, friend, or co-worker about us. When they call to receive a quote make sure they let us know that you referred them.

As a thank you, you’ll receive a surprise gift and will be entered into our monthly $50 gift card drawing and our annual Grand Prize drawing for a $1,500 gift card!!!

(Grand Prize drawing will be held on December 4, 2014.)

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