After a crash: safety and documentation

Put safety first after a crash. Contact emergency services when needed and follow local reporting rules and responders’ instructions. Exchange relevant driver, vehicle, and insurance information when safe. Record the location, time, witnesses, and photos without stepping into danger. Describe what you observed accurately; avoid guessing about facts you do not know.

Notify your insurer promptly, even if the other driver says their insurer will handle everything. Ask about deadlines, towing, storage, inspection, repairs, and rental coverage before committing to costs when practicable. Keep receipts and copies of communications. Send any demand or lawsuit papers to the insurer immediately and confirm receipt. For a valuation or coverage disagreement, request the written explanation and supporting details. Provide relevant corrections or evidence, use the insurer’s review options, and seek assistance from your state insurance department if the issue remains unresolved.

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