You were involved in a Chesterton car accident It happened so fast, you were stopped at the traffic light on SR 49 and Indiana Boundary and pick-up ran into the back of your car and pushed you into the intersection. The paramedics took you to Porter Regional Hospital, the doctor examined you, took x-rays, gave you medicine and told you to follow-up with your regular doctor. This is your first accident and you don't know what to do next. Here are three action steps that you should take after your car accident:
Step 1 – Call Your Insurance Company and Report The Accident
Call your insurance company and report the accident even though you did cause the crash. Under the terms of your insurance policy, you are required to report the claim. When you speak to your insurance representative, these are the questions that you should ask:
- Do I have medical payments coverage to pay for my accident related medical expenses?
- Do I have collision coverage? If I do have collision coverage, how much is my deductible?
- Do I have coverage if I want to rent a car?
Understanding the answers to these questions will help alleviate your stress.
If you have collision coverage, you can go through your own insurance company to have your car fixed. If you were not responsible for the crash, your car insurance company will get the money it paid for your car back from the other driver's insurance company. Many folks are worried that their insurance will hold it against them if they make a claim. Making a collision claim under your own insurance will not hurt you if you were not at fault for the accident.
If you have rental coverage, you do not need to worry about getting to work because you will be able to rent a car.
Step 2 – Take Pictures or Video
If you are going to make a car accident claim, documentation is very important. You should take photos or video of your vehicle, the other vehicle, the scene and your injuries if they are visible. The reason why you want to take photos is after a short period of time, your vehicle will be repaired and your injuries will heal so the time to capture the evidence is immediately after the crash.
Step 3 – Witness Information
Get the names and contact information of any witnesses to the crash. Do not rely on law enforcement to get this information. If you don't get witness information and there is a dispute of the facts of the accident, you may not be able to prove your claim.
Following these 3 steps after a Chesterton, Indiana car crash will help protect you and provide important evidence if you decide to make a claim.
If you have any questions about a Chesterton car accident, call (219) 690-8997.