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What to do if you have an Auto Accident

houston auto insurance

I hope you never have an auto accident. Unfortunately the number of minor accidents are on the rise due to texting and driving so if you are involved in an auto accident, here are some reminders:

1. Know What Your Auto Insurance Covers. The whole process will be easier if you know what your coverages are before anything happens so contact us if you would like to discuss and understand more about your coverages and options.

2. Determine if you are okay and that you or your vehicle are not in imminent danger of becoming struck by any vehicles or objects. If necessary, move your vehicle to safe place if you can safely do so. Turn on your vehicle's hazard lights.

3. Call 911 if necessary. Check if anyone has been injured and be able to describe the location of the accident, what vehicles are involved and whether the accident is blocking the flow of traffic but mostly importantly, report severe injuries first.

4. Avoid moving seriously injured people. Under Texas Law, reasonable assistance must be given to injured people including arrangements for transportation to medical assistance if necessary. However, do not move anyone whom you suspect may have a serious injury to avoid further injury.

5. File An Accident Report. Contact the police or local authority. They will let you know if an officer needs to be present. If an officer does not come out, you should file a crash report athttp://www.dot.state.tx.us/drivers_vehicles/crash_records/reports.htm to help document the accident.

6. Exchange Information with all parties.

Please record:

  • Name of the other drivers
  • License number,
  • Address,
  • Phone number,
  • Email address,
  • Insurance carrier,
  • Insurance policy number of all drivers involved.
  • Other vehicle's license plate number and year, make and model and color of the vehicle.
  • Take a picture of the license and/or insurance card with your camera phone because you'll have a picture of the drivers or in case you can't find a pen.

7. Take a Picture of the scene with your camera phone or draw a sketch. Take a picture of the damage to other's vehicle(s).

8. Get Witnesses contact information (name, address, phone number, email number, etc.) This reminder is very very important as sometimes the other party changes their story and having witnesses provides an unbiased third party statement that could help you.

9. Call your Insurance agent or carrier to get assistance and report your claim.

10. Call a Towing company to move your vehicle if disabled to your body shop.

Call a rental car company like Enterprise 1-800-261-7331 for a rental car if you need one. Enterprise will pick you at your location and take you back to the rental car company if necessary.

If you get into an auto accident, it will help if you have the following items on hand. Make sure to always have these in your vehicle:

  • Your insurance ID card
  • Your vehicle registration
  • A list of emergency contacts
  • A medical card listing allergies to any medication, or special conditions
  • A note pad and pen or other means to record details
  • Flashlight
  • First-aid kit

Many carriers offer mobile aps to help you with your accident. We can offer these as well.

If you are prepared, and you know what to do in an accident, it will be easier to remain calm and collected when a mishap occurs.

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