If you are in a car accident, whether it’s your fault or not, there are certain steps you need to take in order to ensure you are covered by your insurance company or the other driver’s insurance company.

The first thing you should do after an accident is pull over to a safe side of the road. Both parties should calmly get out of their vehicles and ensure that both parties are not injured. The police should be called in any accident so that you can fill out a report and have everything directed by a police officer.

The police officer will evaluate the accident, take both parties’ statements for the police report, and have you exchange insurance cards and contact information with the other involved party. The police officer might also take witness statements if anyone saw the acccident. If you feel like you might be injured, it is recommended that you visit the hospital or your doctor’s office within 24 hours.

Once you get home, you should call both your insurance company and the other involved party’s insurance company to file your claim. You will need your police report number, your name and policy number, as well as the other party’s information.

Once your claim has been made, you will then need to wait to be contacted by a claims adjuster. The adjuster may come out to inspect the damage and will file a report to the insurance company. The adjuster will also ask you about any medical issues you may have incurred during the accident. You will need to be honest and let the adjuster know everything so that you can be covered for any damage or injuries.

After everything is in order, your insurance company or the other party’s insurance company will make payments for your medical bills or your car repairs.