Car insurance liability covers bodily injury, property damage, personal injury, even uninsured and underinsured motorist protection, depending on the policy.
Even a minor car accident is extremely stressful, and emotions tend to run high. The damage to your vehicle might not seem substantial enough to contact the authorities.
Minor accidents rarely result in serious injuries, but a vehicle blocking the road is a danger in itself. To protect your property and other drivers, move your car to the nearest safe area.
Ask the other driver for their name, address, insurance company name, policy number, and license plate number. Don’t forget to ask whether or not they own the vehicle they were driving.
While taking down the other driver’s car details is useful, insurance apps such as PathwayPort’s Self-Service Kiosk let you go a step further. Take a picture of any damages to your car or your body, and upload the images in-app.
Once you have moved your car to a safe place, talked to the police, and exchanged information with the other driver, it’s time to contact your insurance company. Many insurance agencies will allow you to speak directly to their representative, who can walk you through the process.