Standard Accident Procedure

Your First Wreck…

Your first wreck is an incredibly stressful time, and we understand you don’t want to be inundated with more information than is absolutely necessary. However, if you don’t know what to do after a collision, your insurance agency could opt out of paying for your claim, and you could even receive additional fines for not following legal procedures. As a result, we’ve put together a list of things you should keep in mind.

What to do Immediately Following a Crash

1. Keep calm! This is incredibly important, and remember, as long as everyone who was involved is unharmed, it is not the end of the world!

2. Turn off your vehicle’s engine and leave it where it is. If you feel threatened, or fear your vehicle will be hit by another car, slowly drive to a safer place, or try and get some help to push your vehicle out of the way.

3. Make sure you and yours are not injured, if you think that you are hurt in any way, stay in your vehicle and try to relax. Be honest if anyone asks how you are, and don’t be too quick to say you’re fine – shock can mask many things that may be wrong. Provide medical help to others ONLY if trained to do so. Make sure someone has called for help if need be, and allow the professionals to make sure everyone is O.K.

4. Evaluate the damage to your vehicle, while doing so, NEVER walk between the two cars in a two-car collision. If for whatever reason one of the cars is hit, you could become trapped between the two of them.

5. Call the police to report the accident. Dial 911 first, and if that doesn’t work dial 0 and ask for the police. It is important to get the police involved because many insurance companies require an accident report to begin a claim. Use your better judgement, but even if it LOOKS like light damage, there could be much more to the repair than meets the eye.

6.  Never lay claim to the accident. To the driver of the other car, to the police, to anyone there, even if you feel it was. Simply report what happened to the police and let them write an impartial report.

7. Be tactful and courteous, even if you are angry. Everyone involved is sure to be upset, so staying calm through the entire procedure is important.

8. Call us at 970-259-2880 M-F 8:00 am – 5:00 pm and we can arrange for a tow for you, a rental car, contact any family members you may need, or even your insurance agent.

9. Get the names, addresses and phone numbers of any witnesses, if you can;t get their names, at least get their license plate numbers.

10. Exchange names with the other driver, as well as addresses, license numberss and insurance information with any other drivers involved int he accident.

11. Know where you want to get your vehicle repaired, as it helps avoid making a sudden decision at the accident scene.