You’ve been in a crash. That’s too bad. First thing to do: Check for injuries to your passengers, yourself, or the drivers and passengers of any other vehicles involved. Then let's focus on what comes next: Repairing or replacing your vehicle.
If your car is damaged or destroyed—whether in a collision with an object or another driver’s vehicle, or by fire, weather or other event—being prepared before an accident happens can get you back on the road a lot faster.
For starters, take a few moments to get to know your coverage by reviewing policy documents at least once yearly—and if you’ve got questions, contact your Insurance Professional. Also—and this is important—keep your policy documents organized for easy reference and retrieval. You’ll thank yourself later.
Good record-keeping habits aren’t just a virtue; they can pay off big-time when you file a claim. So if you’re in an accident, after taking necessary safety precautions, using your smartphone or camera to take pictures of the damage and the accident scene can help document your claim. And, of course, be sure to keep track of expenses related to repair, such as towing, rentals, etc.