If it is a day or two after the accident, you probably have not had a restful night's sleep. You may have tossed and turned all night because you were not able to find a comfortable position. Now that you're up, you feel like you've been run over by a truck or played football without pads.
If you haven't seen a doctor yet, you should get checked out today.
At the accident scene, the law enforcement officer should have given you a document with the report or accident number on it. You should be able to get a copy of the crash report today. If available, you will need the information on the crash report for this next step.
Step Two Action Items
Report the claim to YOUR insurance company. If you would rather first contact your agent, you can do that, but the claim needs to be reported. If you look at your car insurance policy, it will tell you that you need to report the claim. This is true even if you were not at fault for the crash.
When you call your insurance company, they will ask you for a lot of information that will be on the crash report. The representative may ask you to fax the report over to them. The report should have the name of the other driver, the insurance company that insured the vehicle, the date, time and conditions of the accident.
Your insurance company representative will ask you if you are injured and if you have received medical care. If so, and you have medical payments coverage, they will open up a medical claim to pay your medical bills. Make sure you get the claim number and billing address to give to your doctors so they can send their bills directly to the insurance company for payment.
Also, if you have collision insurance on your vehicle, your insurance company representative will ask you plan on getting your car fixed through them. If you want to learn more about the pros and cons of going through own insurance company – read step three.
If you have any questions about your insurance coverage ask the insurance company representative.
Finally, if you were injured and you're under a doctor's care make sure you follow the doctor's advice.