If you own a vehicle, you may know the financial risk that may exist when you are involved in a road accident. Auto Insurance is a requirement for motorists in almost every state, for instance, in Chicago, IL. At NCIB Group Inc., our mission is to ensure you have auto insurance coverage for your unique car insurance needs.
Automobile accidents occur, even to careful drivers. However, if an accident happens, there are specific steps you can take to protect yourself. The following are three steps you can take after a car accident:
Ensure everyone is safe
The first thing to do after a car accident is to ensure the safety of everyone involved. Call 911 to get an ambulance to the scene if anyone is injured. Also, inform the police since it’s a requirement in Chicago, IL.
Moreover, the police will provide you with an accident report for your insurance company. After the accident, ensure everyone is in a safe location to protect them against further injuries. It could involve:
- Moving everyone to the roadside
- Putting on your hazard lights
- Use your phone light or a flashlight if it’s dark
- Setting up flares around the scene to alert other motorists about the accident
Exchange information and assess the scene
Once the safety of everyone is ensured, assess the accident scene and exchange information with the other motorists involved: exchange auto insurance information and contacts with the other drivers. The information will help if there are any compensation claims related to the accident.
To collect evidence, take pictures of the scene using your phone. Take pictures of:
- Injuries of passengers and your own
- Damages to the vehicles
- The entire accident scene
Decide if you want to file a claim
You are not required to file a claim if the car accident was your fault. If the other driver is responsible, you must file a claim with their insurance company. After the accident, inform your insurer; they will file the claim on your behalf.
However, you still utilize your insurance in some instances, even though the accident was the other motorist’s fault. After an accident, our insurance agents at NCIB Group Inc. in Chicago, IL will guide you through the insurance claim process.
Contact NCIB Group Inc. in Chicago, IL for Auto Insurance
It’s advisable to have good auto insurance coverage for your vehicle to protect yourself after an accident. At NCIB Group Inc. in Chicago, IL, we are ready to offer auto insurance coverage solutions that fit your budget. Contact us today, and our agents will help you choose an auto insurance cover according to your needs.