After experiencing a car accident, it is important to know what to do next. If you are injured in the accident, you may plan on going directly to seek medical care. En route, if you can, contact your insurance. It is always best to contact them first, and as soon as possible. Hopefully, you have quick online access to your insurance policy or a copy in your car. The next thing to do is to have that handy so that you can review it while on the phone with insurance.
All communications with your insurance company should be recorded by you in some manner, like taking notes during or after the conversation. You should know who you talked to, direct contact numbers and titles of the persons you communicate with. In any conversation you have, make sure you tell the truth and leave nothing out.
Once you have contacted insurance and have had medical attention, you might next want to investigate whether you have other insurance policies that may cover you. These are commonly known as “umbrella” policies, or coverage through your homeowner’s insurance, renter’s insurance or self-employment insurance.