Post-Collision Plan of Action & Auto Insurance

Whether you just got into a fender bender or a potentially fatal accident, it is hard to see through the fog of adrenaline and panic into the clarity of day. With that in mind, remember these simple steps and you will get out into the clear in no time.

1) If it is a minor accident, stop the vehicle when it is safe and legal. You might have to stop then and there, right in the road, but try to pull over to the side if the law permits, or into a parking lot if it is close enough.

2) Turn of your vehicle and make sure you are calm. Try a breathing exercise to calm down.

3) Assess the damage to all persons involved. The human cost is more important than the vehicles, so check to make sure you and your party are okay, then check to see if others involved in the collision are in need of medical assistance.

4) Call the police and an ambulance if needed. The person on the phone will ask you for some basic information, like the names of the people involved and the location of the accident. Be calm and provide them will as many details as you can right away.

5) If there is any glass or damage or if any vehicles are inoperable, mark off the scene of the accident with reflective triangles, cones, or flares; keep in mind, the police will handle this in all likelihood. If there are any injuries, concentrate on those.

6) Gather the names and information of the motorists involved and any witnesses to the accident.

7) Make a diagram of the vehicle, including where everyone was sitting, and the surrounding traffic and condition during the time of the collision. Mark the date, time, traffic direction, lane, and weather conditions. Even better, take a picture with a camera or your phone.

8) Make sure to get the other driver's or drivers' license number and insurance information. Resist the urge to discuss whose fault it was with them. At this point, talk only to police or through a lawyer if you have one.

9) Ask for a copy of the police report for your insurance and legal purposes.

10) Make sure you are prepared to deal with the stress of the accident in the following days. Talk to friends and family about it so that you have a better chance of steering clear of any emotional disorders that may follow.

Remember, you are prioritizing here. Health and safety of everyone involved comes first. Auto insurance is a big part of making sure everyone is okay, but acting responsibly is important too. Have a plan and stick to it.