Auto Insurance

Understanding how your auto insurance works after an accident will save you lots of hassle and, above all, legal problems if the insurance company refuses to honor your claim. Here we explain what you should do right after the claim, to avoid complications. Moore-Lancaster Agency is able to assist you in the event of an accident.

How to prepare for an accident?

Although you don't know when you will have an accident, you can prepare beforehand by becoming a client of a reputable insurance company that you can trust to work on your behalf and in your best interest. Once you have a reputable insurance company on your side, before you go driving on the road, be sure to save the phone number of your insurance company so it can readily be available when you need it. Always carry your insurance policy card you got in the mail and your driver's license.

What to do after a car accident?

I crashed ... now what? The first thing to do is to keep calm. Check if you can move or if something hurts. If not, ask anyone with you (passengers) and others involved in the accident if they are okay. Regardless of whose fault it was, keeping your cool is very important, so you can calmly go into action. Call your insurer and wait for the police and ambulance to arrive. After those things are taken care of, then an adjuster will be able to assess the claim. It is also recommended that you:

  • Avoid making deals with the other driver in the accident
  • Do not discuss or accept responsibility for the accident

What information to have on hand after a car accident?

To speed up the claim process, you should have the following information on hand:

  • Policy number of your auto insurance
  • Name of the insured and name of the driver
  • Make, model, plates, and engine serial number of the insured car
  • The exact site of the accident (street, neighborhood, or some other reference)
  • Photos of the accident scene and damage to all vehicles, including your dash camera if available.
  • Photos of the other party’s driver’s license and insurance verification.

Contact Your Insurance Company

Contact Moore-Lancaster Agency to start the claim process. Your auto insurance company will usually work in your best interest to make sure that your case is handled appropriately and efficiently.