I'm not sure if it's because I'm a Daddy's girl or if it's because my Dad has always been my insurance agent, but the first thing I've done every time a fender bender occurs is get him on the phone...Here's what I've learned from my Dad (who, by the way, works here at Podmaska Insurance).
1. Make sure everyone is uninjured. Physical safety is the absolute most important thing! If everyone is safe, move on to number 2.
2. Remain calm. Adrenalinie rushes can ignite anger and anger always tend to escalate the circumstance.
3.. It's advised by police to move your vehicle to the side of the road if you are obstructing traffic.
4. Stay on the scene until police arrive and ALWAYS make sure the police fills out a report from your perspective.
5. Never admit fault!
6. Keep a copy of your insurance card, registration and a disposable camera in your glove compartment. If you don't have a disposable camera, you're likely to at least have a camera on your phone. Have accident scene photos could be major evidence in your defense.
7. Exchange contact information and insurance information.
8. Call your agent and submit the claim!! Also, confirm your coverages and how you're protected.
9. Get a copy of the police report.
Now, go check your glove compartment and make sure it's well-stocked with your insurance identification card and a disposable camera!
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