So, you’ve survived a wreck – but what to do after a car accident? Most of us who have been through a car accident know that the only thing scarier than the actual accident is the spike in insurance rates in the years following the wreck. But are there measures we can take directly after an accident to help soften the blow to our coverage costs? Well, the experts at Lifetime Insurance are here to tell you exactly what to do after a car accident to save you from that dreaded insurance spike!

What to Do After a Car Accident

To start, we feel it’s most important to answer the most common question from drivers who have just experienced a wreck: What should be done immediately after an accident? Read on for our best advice.

what to do after a car accident

1. Check for Injuries

Amid the chaotic aftermath of a car accident, most drivers involved find themselves in a state of heightened adrenaline. In such a state, it’s that much more imperative to check yourself for injuries that you may not fully discover until that adrenaline wanes. At this point, you should also check everyone in the car with you for injuries to determine whether or not immediate medical attention is needed.

what to do after a car accident

2. Seek Safety

If you’ve determined that you can move on your own, your next priority should be to move to a safer location, away from traffic and the accident site. Furthermore, if your car is still operational, you’ll want to move it off the road or on to a shoulder. Once you’ve gotten to a safe area, you should consider calling the police to make sure there is an official report you can provide to your insurance company.

what to do after a car accident

3. Document the Damage & Exchange Info

Now that we’ve covered what to do in the immediate aftermath of a car accident, it’s time to tackle an integral first step in the claims process. Your next move should be to document the damage done to your car and the other driver’s vehicle. If you have a phone handy, take photos, videos, and notes to detail the incident.

what to do after a car accident

4. Assess Your Coverage Needs

Now, you’ll need to figure out how much of the damage is covered. Start by assessing the following:

  • Your Expenses – this includes repairs to your vehicle and your medical expenses.
  • Their Epenses – this includes the other driver’s car repair and medical expenses.

Holes in Your Coverage?

If you’re wondering whether your current insurance is enough, don’t wait for a car wreck to find out! Our experts can help you assess your needs and shop for the best policy.

what to do after a car accident

The National Association of Insurance Commissioners offers a free app called WreckCheck that records the time of the wreck, helps you create written and audio details, and emails everything to you or your agent. Several car insurance companies offer free smartphone apps to help you document the details.

what to do after a car accident

5. Decide Whether or Not to File a Claim

After you’ve documented the accident, it’s time to decide if you want to file a claim. If you choose to file a claim, you’ll likely have to pay a deductible. From there, your insurance company will communicate with the other driver’s insurer and refund your deductible, if circumstances permit. Whatever you decide, it’s wise to consult with an insurance specialist to help.

what to do after a car accident

6. Shop for Lower Rates

Depending on the severity of the accident, your insurance rates could increase by up to 50%! If this is the predicament you’re facing, it may be time to start shopping for a different provider and plan that offer lower rates. That being said, you should always bear in mind that your options for lower rates will vary by state.

what to do after a car accident

Now That You Know What to Do After a Car Accident…

Now that you know what to do after a car accident, you can make more informed decisions when it comes to your auto insurance coverage. If you are tired of the high rates your current provider is charging in the wake of an accident, our insurance experts can help you shop for the coverage you need at the price you need. To build the perfect car insurance plan, give us a call at (972) 771- 2622 or visit our website!

What Can a Lifetime Pro Do for You?

Since insurance rates are set by the state, working with a local independent company like Lifetime is a smart way to shop. If you happen to live in a no-fault state, for example, a local insurance specialist could help you use that to your advantage.