Being involved in a car crash is traumatic enough when you think about it. Therefore, you should be prepared for it, in any way you can. Planning means that in case an accident happens, you’ll know what to do. Here are five things you should to do prepare if the unexpected ever happens.
- Drive carefully
Prevention is better than cure. The best way to not have to deal with a car accident is to prevent it completely. While it may sound obvious, you should always take precautions to make sure you’re driving carefully. Things like pulling into traffic slowly, watching for red light runners and kids, not tailgating and more go a long way. Always be aware of your surroundings and blind spots if you don’t want to get into an accident. But even if you’re the most careful driver, you still might get into a car accident, without being your fault.
- Have all your documents ready
So, in case that happens, you should always know where your documents are (hopefully inside the car). Know your agent’s name and phone number, know what your coverage includes and keep a copy of your proof of insurance card in your car or wallet. Know who to call in case if anyone is injured and always be ready to do so.
- Pen, paper, and camera
As soon as you and your vehicle are out of harm’s way and are safe, you’d want to exchange informationwith the other driver. So, take a moment to record the other driver’s name, license plate, number, insurance carrier and more. Having a camera, or a phone, to take pictures of any damages to show to the insurance is a good idea as well.
- Know the law
If you don’t already, look up what your state requires you to know in case of a car accident. Review your right, know what you can and can’t do, and in general, be ready. The law is different everywhere so it’s important to know what it consists of in case of an accident. Knowing what your insurance covers is another good idea. Collision insurance will usually cover the damages done to your car, even if it isn’t your fault, but not to other cars.
- Prepare a cheat sheet
You may think you already know what to do if you ever get into a car accident, but once the adrenaline kicks in, your knowledge usually goes out the window. So, prepare a piece of paper that has your insurance’s number, what information to ask the other driver and more. This way, you can just pull out your list from your glove box and go over the details one by one. See what the attorneys say and borrow ideas from an auto accident checklist like this one. Your heart will be racing, which makes it difficult to remember and focus sometimes, so carrying a list of “to-do’s” is a great way to calm down and know what to do.