I’ve been in a collision, what’s next?
Injuries come first! Be sure to assess if yourself and/or any passengers in the vehicle are injured, minor or major. If someone has been injured call 911 as soon as possible and do not attempt to move the injured persons.
Whew! No one appears to be injured! You’ll then want to get out of your vehicle, assess the damage and take a quick photo of the scene. If the vehicle is drivable, pull over to the side of the road to have a better look at the damage and situation.
If it appears as though the damage to both vehicles totals over $2000 you will want to either phone the police, report the incident to the nearest Collision Reporting Center or if none are in your area, directly to the police within 24 hours. If the damage appears to be quite minor and nothing in regards to the incident seems suspicious or illegal, call your broker or get in touch with one of Orr Insurance’s many trusted advisors to discuss the next steps.
If the vehicle is not drivable, turn on your hazard lights and ensure it is safe to get out of your vehicle before doing so. Call the police and await their instruction.
In any of these situations you will want to take photographs of the scene, the other person’s driver’s license, their license plate, and liability slip (pink slip). If you have an Orr Insurance liability slip case there will be a piece of paper giving a brief outline of what to do and what information to record.
There are many situations that could arise from a collision, large or small; regardless of the severity make sure to document as much as possible! Even the smallest of collisions or seemingly nicest of people could turn into something more. Do not make any statement admitting or assuming fault, the insurance companies will make this determination however there is never any harm in apologizing if that will help make the situation better. Orr Insurance is always here to help and would be more than happy to answer any questions you may have in regards to potential claim situations.
Collisions happen to even the best of drivers so it is always important to understand how to handle them.