Did you just get your driver’s license? Congratulations. As a newly minted driver in Longmont, CO there are a few things you need to know and do, like making sure you have the required auto insurance from your friends at 1st American Insurance Agency. You also need to be able to take care of yourself when you get into a fender bender.
Stop, Review the Situation, and Call for Help
First, after the impact, pull over and stop. Make sure you are out of the path of traffic if at all possible. Even if you just nudged the other guy and there isn’t even a scratch, make sure that you and the other party aren’t injured. If you see any kind of damage to the vehicles, call the police.
Use Your Camera
The old standard was to exchange information by writing down the other driver’s name, license number, insurance, etc. Now your smartphone is your friend. Use your camera to snap a pic of the other driver, their driver’s license, the license plate, their insurance card and then start on the scene. Record damage to all the vehicles or any property. If possible, take a shot of the intersection, street signs, and traffic lights.
File the Report and Call Your Insurance Agent
Cooperate with the officer at the scene and make sure that a police report is filed. If no officer responded, head straight to the police department and file one yourself. Once you are confident everybody is on their way home, give your agent at 1st American Insurance Agency a call and file a claim. If somebody reports an injury on the next day, it will be easier to process their claim against your insurance.
Remember, your Longmont, CO insurance agent is there to help you work your way through such an accident with as little inconvenience as possible.