When you least expected it, another driver on Route 9 didn’t pay attention and slammed into your car. Now, while dealing with the shock of the sudden crash, you must pull yourself together to start dealing with the aftermath.
Accidents can come out of nowhere. But being prepared can help you take the right steps for filing an insurance claim. Your insurance company will expect you to follow specific New York state laws when claiming an accident. Here are a few tips for the steps you should take:
- Call the police – A police report will make the details of your accident official. The officer who comes out on the scene will write down details that you may not think about. The police officer can also respond to any immediate medical needs and can call an ambulance for serious injuries.
- Gather information – After the accident, you need to exchange insurance and personal information with the other driver. The police officer should also include the insurance information in the police report.
- Collect evidence – Try to write down as much of your side of the story as possible, including any injuries or pain you may have. Taking pictures can also help with your insurance claim.
- Report the accident – In New York, you must report to the Department of Motor Vehicles (DMV) any car accident with property damage over $1,000 or if someone gets injured or killed. You must file this report within 10 days after the accident.
- Start the insurance process – Call your insurance company as soon as possible. Your provider can explain what they need for the claim. Depending on your coverage, they may also get you a rental car if you can’t drive your vehicle.
You don’t expect to get in a car accident when you head out on New York roads. But they can and do happen.
Preparing for the aftermath can help make sure you follow the proper steps for insurance.