Though it’s tough to think about, accidents happen, and it’s best to be prepared for whatever an accident may bring. Here are three things you can do ahead of time to make dealing with a car accident a little bit easier.
1. Create Your Own Accident Information Report List
No matter the nature of the accident, getting certain details is a must so you can deal with the aftermath as smoothly as possible, especially if you need to file an insurance claim. Make a list of information to fill in (leaving blank space for the details), and keep the list and a pencil in your glove compartment. This accident information form should include, at minimum:
- Details about the scene (date, time, location, weather/road conditions)
- Descriptions of the damage done to both vehicles
- The other driver’s personal information (name, address, driver’s license number, phone number, insurance information)
- Information about the other driver’s car (make, model, year, color, license plate number)
- Name and contact information of any witnesses
- Reminder to take pictures of the damage if possible
2. Choose Your Auto Insurance & Related Coverages
While you must meet your state’s minimum insurance requirements, there are many options when it comes to choosing car insurance coverage. Yes, having the minimum will help keep you protected (for example, bodily injury liability is commonly listed as a minimum car insurance requirement), but there are other scenarios insurance can help account for, too. Do you want to prepare for potential medical bills? Account for the need for rental car reimbursement? What about helpful extras like towing and roadside assistance? Having the right tools on your side ahead of time can prove to be a real lifesaver in the long run.
3. Keep Your Insurance Card Handy
Once you have the affordable auto insurance coverage you want, make sure you always have your insurance card with you in the car, and that it is always current. Whether that means stashing it in the glove box, your owner’s manual, your wallet or even on your smart phone, you should always have it with you when you’re on the road. If you’re in an accident, regardless of who is at fault, you’ll need to exchange insurance information with the other driver. Pleasant Surprise: Direct Auto & Life Insurance customers can access their digital insurance IDs by using the DirectDrive® app on their phones.
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What do you wish you had known before an accident? How have you prepared for the unexpected on the road? Let Direct Auto & Life Insurance know by leaving a comment below! You can also follow us on Twitter and Facebook.
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