After a car accident, particularly one in heavy Atlanta traffic, it can be difficult to keep your wits about you. But you'll want to recall a few basic post-accident steps.
Move your car
If the vehicles are movable and there are no serious injuries, cars should be moved. If you're on a highway with two or more lanes, move your vehicle to the shoulder if possible.
Never admit guilt
Even if you feel like the accident is your fault, don't say so. Admitting guilt at the scene can complicate the insurance process further along. It's the adjuster's job to get information from both sides and determine the cause of the accident.
Make a few phone calls
If anyone needs assistance, call 911 immediately. If not, call the police to file an accident report.
You should also call your insurance company or agent to report the accident and begin the process of filing a claim. Your insurance company can advise you about exchanging details or surveying the scene. Depending on your company, they may even send a response unit to the accident site.
Record details of the accident scene with photographs. You may also want to take photos of the other driver's information, license plate and VIN number. Recording the names, addresses and phone numbers of any witnesses and noting weather conditions is also a good idea.
Be sure to submit all necessary information for your insurance claims within your insurer's time limits. You may need to submit a copy of the police accident report to your insurer. If the damage done in the accident is above $750, you'll have to submit an accident report known as an SR1 to the police. You can find the SR1 form online at the Georgia DMV website. Be sure to read your insurance coverage to determine what your insurer covers. If your car is unavailable during service, your insurer may cover the cost of renting a car.
Once your car accident claim is complete, make sure you're happy with the repairs and decide whether you need to seek damages for loss of work or personal injury.
For more information, contact an Atlanta automotive professional.