You’ve been in an accident. So much is going through your mind right now, your head is spinning. But there are things you need to do to make sure your car insurance (assurance voiture or assurance auto, for our French speaking readers) covers the damages here.

Hopefully everyone is OK. That is always the first thought that comes to mind. But even if you think your injuries are minor, have your doctor check you out, or go the the local hospital for an examination. Encourage everyone involved to do the same. Not only will it give you peace of mind but you want to be sure that everything medically is documented. The small injury you think you have now may become more aggravated in the days to come. Don’t leave you health to chance. Get an examination to be sure you are OK.

Notify your insurance agent immediately of the miss-hap. He or she will need to send an insurance adjuster out to determine the extent of the damages to your car and the other driver’s car. They may want to recreate the accident to see how it happened and who was at fault. If your car is being towed, let your agent know where it will be so it can be examined.

In most accidents, the local law enforcement agency is on the scene within minutes. They will fill out an accident report. Talk to them about your incident and make sure they understand everything that happened. A lot depends on what their report states. Keep in mind that even though an accident is an upsetting experience, no matter whose fault it was, talking rationally will get you better results.

If you have a camera with you, by all means take your own pictures. But stay safe doing it. Don’t impede law enforcement officials while they are doing their job, and don’t put yourself in a dangerous place. Your pictures may be invaluable if you have to go to court. In any accident scene, things get moved sometimes before documentation is complete. Your pictures may unravel the truth about what really happened.

Along with pictures, take a moment to draw a diagram of what happened while it is still fresh in your mind. You don’t have to be artistic. Just jot some key points down on paper. The mind tends to loose information as time goes on and your drawings and notes today could be very important later on.

Find out where and when you are to pick up the accident report. The law enforcement agency that attends the scene will tell you where it can be obtained. You will need to submit this to your insurance agency. Some agents will get this for you, but at any rate, you will want a copy for yourself, so picking it up yourself just makes sense.

Exchange insurance information with the other driver and write down all of the particulars about their car. The make, model color, etc., will be information you will want to have. In short, gather all of the key elements for yourself, don’t assume that someone else at the scene is going to do it. By being proactive, you will protect yourself from false accusations. Car insurance claims need not be complicated if you remember to do these things.

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Category: Automotive
Keywords: Insurance,car,home,family,business,society, Montreal, Quebec