A car accident is a terrifying experience. The noise, the glass, and the panic can make each second feel like an hour. Even fender benders need some pre-planning so you can spring into action to physically and financially protect yourself in the unfortunate event of an accident. The best car insurance Florida provides will help with your accident, but you must take these steps to speed along the process.
The time to start planning for an emergency is not while it is happening. Be prepared by getting your documents ready. Place your insurance card and any pertinent medical information in your glove box. Keep your insurance current. If you have medical issues, make them known. Having your gallbladder recently removed or having an allergy to codeine is crucial for paramedics to know. If you think that by having your info in your wallet is enough, consider that a wallet or purse can tumble around in an accident while a glove box will remain stable.
If you can move after a crash, move to the accident lane. An injury can prevent you from moving; stay in the car as immobile as possible until help arrives. Being immobile on the expressway may add to your anxiety, but a minor injury can be elevated to serious in nature with a few small movements. Move to the designated accident lane, or at least not in the middle of the road. Get out of the flow of moving traffic.
Being angry is a natural reaction to someone hitting your car. Keep your emotions in check; what you say can be held against you. A polite apology will be interpreted as an admission of guilt. If you rage against the other driver, however justified, your mental state can be questioned. Promptly move to the next step and remember that staying quiet in your best option after asking if the other driver and/or passengers are okay.
Yes, it can be awkward to ask for information after an emotional experience. Stay calm and ask for the following list:
- Phone number
- Make of car
- Model of car
- License plate number
- Insurance carrier
- Insurance policy number
After an accident is no time for selfies, but it is a good opportunity to whip out your iPhone and document the damage. Technology can be a blessing when you need proof. The other driver may not appreciate it, but take as many pictures as possible of both cars. A video may be best if the other driver is not cooperating. Wait for the police to do so, if you feel it is best.
A car accident is a scary experience. From fender benders to much worse, you must be calm and know your next steps. Have essential information in your glove box. Leave relevant medical information and besides your Miami auto insurance card, a valid Florida driver’s license should also be there as well. Get out of the flow of traffic. Keep emotions in check. Exchange information and document as much as possible.