FRIDAY, OCTOBER 21, 2022
Getting into a car accident is stressful, but filing your auto insurance claim should be simple with help from your insurance agent.
Contact Podmaska Insurance in Providence, Rhode Island, today to learn more about what to do if you are in a car accident in Rhode Island and get a quote for an auto insurance policy tailored to meet your needs.
What to Do Immediately After a Car Accident
After a car accident, if you are not injured, get yourself and your passengers to a safe location. If the accident happened on a busy road, move your car to the shoulder if possible. Whether you can move your vehicle or not, immediately put on your hazard lights to help other drivers see you. 
Call 911 to report the incident and request help. The operator will collect information about possible injuries and your exact location. Never leave the scene without requesting assistance from law enforcement, even if the accident is minor. Doing so could potentially cause legal and insurance problems.
Assuming there are no injuries and you feel comfortable communicating with the other driver, take a photo of their driver’s license and insurance card. If you don’t feel like talking with the other driver is the right course of action, remain in your vehicle until help arrives.
After law enforcement arrives, let them know that you’d like to take photos of the other driver’s car as well as your vehicle. This photographic evidence can be useful to your insurance company and your lawyer if you pursue a case against the other driver.
How to File An Insurance Claim After a Car Accident
Your agent can help you file a claim after a car accident. Each insurer has a method by which they collect essential information to help them determine their course of action.
Your insurance company may request photos of your car’s damage. They may also send an adjuster to evaluate the damage first-hand.
It may take a few days for your insurer to determine whether they will cover damage to your vehicle and how much they’ll pay if your car is a total loss after a covered accident.
Is Damage to My Vehicle Covered After a Car Accident?
Rhode Island requires drivers to carry minimum amounts of liability insurance. If the insurance company deems the other driver responsible for the accident, their liability insurance policy may pay for your damages.
If the other driver is uninsured, your uninsured/underinsured motorist policy may pay for your damages. Check with your agent to make sure you have this essential coverage.
If you were responsible for the accident, your collision auto insurance policy helps cover the costs of repairing or replacing your vehicle according to the terms of the policy. Collision auto insurance is optional unless you finance or lease your vehicle. Without it, damage caused to your property in an at-fault accident is not covered.
How to Get Appropriate Auto Insurance Coverage
Getting the right auto insurance coverage with a reputable insurance company is crucial. The agents at Podmaska Insurance work with numerous highly-rated insurers and can help you find the best combination of coverage and price for your situation.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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