Skip to content Accessibility info

Best Insurance Services Blog

All You Ever Wanted to Know About Insurance

How to: Exchange Insurance after an Accident

Drivers never hope to be in an accident. However, those who find themselves in that scenario are often unprepared for it. There are certain steps one needs to take after an accident in order to ensure that everything else runs smoothly. Here’s what you should be sure to do.

Call the Authorities

The first step is to pull over, turn on your hazard lights, and call 9-1-1. Rather than handling the situation all alone, call in the experts. The police will be able to provide you with a third-party perspective and a police report with all of the damage.

Do Not Admit Fault

If you believe the accident was your fault, do not say it. You have the right to keep this information to yourself, and disclosing it will not help anyone. Be careful with your language, because even saying, “Sorry, I didn’t see you,” is an admission of guilt.

Exchange Information

Even if you can’t call the authorities, definitely exchange your name, address, phone number, insurance company, policy number, driver license number, and license plate number. This way you will be able to contact each other, and your insurance agencies can obtain all the necessary information.

Document the Incident

Think of your collision as a crime scene. Take photographs of every part of it from every angle. You’ll give these pictures to your claims adjuster when you make your case. If there are witnesses, get their contact information as well so they can provide a testimony. This is especially helpful if the other driver is telling a different story.

Car collisions are scary, and shock can often hinder one’s ability to think clearly. Having a check list of things to do, along with the right insurance policy, can make the process a lot easier to deal with.

photo credit: Mark Turnauckas via photopin cc


There are no comments yet.

Leave a Comment

Required fields are marked with


Your name, comment, and URL will appear on this page after it has been reviewed and approved. Your email address will not be published.