NJ car insurance: what should I do after an accident?

Being involved in an accident is certainly one of the least pleasant aspects of being part of the traffic. With millions of car crashed per year, there are dozens of thousands of car crashes reported in the USA every day. Unfortunately, no one is insured against ending up in an accident, even if they are good and responsible drivers – when you are a part of the traffic, you can't rely solely on your skills as the other drive next to you can be the one to cause the crash. Sure, you have the NJ car insurance to pay for the losses for such events, but will it ease your mind when you get hit really hard and have to spend a couple of hours at the scene instead of being at work or with your family? Besides, a car crash can deliver a state of shock, which can impede adequate behavior and make you miss out certain details that may be very important.

That's exactly why we have compiled a short set of guidelines to help you act adequately after the accident has taken place, and avoid any mistakes that can cause problems and misunderstandings in the future. So let's go step by step through the most important actions to be taken after the accident:

Try to calm down. This may be the hardest aspect of an accident, but you have to deal with it. Just try to understand a few simple things: the accident has happened, you can't reverse it and running around screaming won't help anyone. So take a deep breath, count to ten, and focus on things that are really important in this moment.

Check if anyone is badly injured. Start with the passengers in your car if there are any. See if you need any medical attention as well, you may not feel any pain because of shock, so a visual check is preferable. If everything is fine in your car, exit it and check if there's anyone injured at the scene.

Call the police and ambulance. The ambulance should come first if there are any badly injured people on the scene. Life comes first in the set of priorities, the pile of metal you call your car can wait, while injured people can't. Only after you've checked for the injured should you carry on to the property aspect of the accident.

Secure the scene. If the crash happened in the middle of the road it would be best to either denote it through special signs in order to prevent problems or try to move the cars to the roadside in order to not clog the traffic.

Get the data on all participants. Assuming that no one has fled the scene, you should now accumulate data on every participant as it will help you sort out things with your NJ car insurance provide later on. Get the names of all the people, write down plate numbers, check for witnesses, get their phone numbers and so on. Don't try to memorize all the details as you will probably forget them due to stress. Keep it all in written form.

Take pictures of all the damages. It's easy to do with cell phones these days and it will help you get adequate settlement from your NJ car insurance company. This will also prevent any fraud or additional damage claim by any of the parties involved.

Call your insurer. When you got all the details you need and the police have arrived to the scene it's time to call your NJ car insurance provider via their hotline and inform them about the accident. You will be required to provide a description of the accident in detail and the more accurate you are, the easier it will be for you to get appropriate coverage.

Ask for a copy of the police report. You can do that in order to provide the copy to your insurance provider, which will make the claim processing faster.

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