How should you handle a fender bender?

Would you know what to do if you were involved in a fender bender?

Even if the damage doesn’t seem significant, you might have a time-consuming and stressful process ahead of you and it’s important to proceed carefully.

If it’s a serious wreck, call 911. Otherwise, here’s what to keep in mind in the event of a minor accident.

What should you do at the scene? 

If you accidentally bump another car (or if they bump you), here are a few steps to take:

• First, make sure everyone is okay. Then, if it’s safe, move your vehicle out of the way of traffic.
• Even if the damage seems minimal, call the police.
• Exchange information with the other driver, including full name, phone number and insurance details.
• Take photos of the vehicles involved and document the location, road conditions, the weather and any other relevant details about the scene.
• Were there any eyewitnesses? Try to take their names and contact information, as well.
• When the police arrive, be direct and polite. Make sure you gather their names, badge numbers and contact details and ask about obtaining a copy of the accident report.

It’s also important to contact your insurance company, so reach out as soon as you can to let us know what happened. We’ll walk you through the next steps, start the claim process and guide you through any necessary repairs that need to be made.

What if the other driver leaves the scene?

If the other driver doesn’t cooperate, doesn’t share their information or refuses to stop altogether, you should still stop and call the police. Try to remember as many details as you can (the color, make and model of the car, details from the scene, etc.) and share them with the police.

If you have any questions about how to handle a fender bender or any other claim, call your Raleigh insurance agent today.