Being in a car accident can be traumatic and shocking, that’s why it’s helpful to know what actions to take immediately following an accident. Understanding how your insurance company will deal with your claim can also put your mind at ease. In this blog article we outline helpful steps to follow after an accident and the auto claims process at Federated Insurance. We also provide a helpful infographic that you can print and keep with you.
What to do after a car accident:
- Move to safety
Safety should be your first priority. Move your vehicle to the shoulder or side of the road and turn on your hazard lights so other drivers can clearly see your vehicle. Once your vehicle is moved to safety, ensure you and your passengers stand away from the road.
- Call 9-1-1
Call 9-1-1 and tell them you’ve been in an accident. Be sure to ask them for medical assistance if someone has been injured. The 9-1-1 operator will tell you if a police officer will attend the scene to make a report or if you will have to go to a Collision Reporting Centre.
- Don’t discuss the accident
If another party is involved in the accident, be courteous but don’t discuss the accident with them. Only tell the details of the accident to the police officer when they ask.
- Gather information
Take notes of the accident including the date, time, and location. If another driver is involved in the accident, make sure to get their contact, vehicle and insurance information.
- Speak with witnesses
Speak to any witnesses and get their name and contact information in case your claims adjuster needs to contact them in the future.
- Take photos
Use your smartphone to take photos of the accident scene. Include photos of your vehicle, the other vehicle if any, the surrounding area including traffic lights as well as road and weather conditions.
- Go to the nearest Collison Reporting Centre
If a police officer did not come to the scene to make a report you will be directed to go to the nearest Collision Reporting Centre to file one yourself. You are required by law to make a report within 24hrs if the combined damage to all vehicles is more than $2000.
- Call your insurer
Call your insurance company and provide any relevant details and photos so they can start the claims process.
The Federated Insurance auto claims process:
- Dedicated claims adjuster
Once you’ve notified us, you’ll be assigned a dedicated claims adjuster who will outline the next steps and walk you through what you can expect during the claim process.
- Investigating your Claim
Your adjuster will gather all the information from you about the accident, including the police or Collision Centre report, to determine how the accident happened and who is at fault.
- Coverage review
Your claims adjuster will look at your policy coverage details to see what’s covered and inform you of any deductibles.
- Damage evaluation
Your adjuster will work with experts like appraisers or auto body shops to evaluate the damages to your vehicle.
- Repair Recommendations
If your vehicle is repairable your adjuster will provide you with a list of recommended auto body repair shops to service your vehicle damages.
- Total loss appraisal
If your vehicle is determined to not be repairable the appraiser will provide your adjuster with a detailed report showing its market value. Your adjuster will contact you to review the report together.
After the necessary repairs have been completed and any damaged items have been replaced, your adjuster will contact you for discuss the next steps for settlement and closing your file.
Federated Insurance Company of Canada is the insurer of Federated Insurance policies. This infographic is provided for information only and is not a substitute for professional advice. We make no representations or warranties regarding the accuracy or completeness of the information and will not be responsible for any loss arising out of reliance on the information.