Auto Loss

What to do if you are involved in an automobile accident.

(We recommend that you print this page and keep it in your glove compartment along with your insurance information.)

This section of our Web site is dedicated to providing information on what to do after you have been involved in an automobile accident. We think you will find this step-by-step guide very helpful. Please take some time and read through this information.

Step 1
The first few minutes after an accident are upsetting to all involved.

• The most important thing you can do is to stay calm.
• Obtain medical assistance immediately if there is anyone who needs it.
• For safety reasons, everyone should move away from the vehicles and reasonable steps should be taken to warn other motorists of potential hazards.
• It is then important to call the police.

Step 2
The information you gather at the accident scene can speed up the claim process tremendously. Although the police gather much of this information, their reports are often not immediately available following an accident. It is very helpful if you can obtain:

• Name, current address and home/work/cell telephone number of the operator(s) of the other vehicle(s). It is also helpful if you obtain the operator's driver's license number.
• Name, current address and home/work/cell telephone number of the owner(s) of the other vehicle(s) involved.
• Insurance information for both the operator(s) and the owner(s) of the other vehicle(s). You should obtain the name of the insurance company, insurance agency, policy number and policyholder's name. It is helpful if you ask to see the Insurance ID card(s).
• Name, current address and home/work/cell telephone number of passengers in any vehicle involved.
• Name, current address and home/work/cell telephone number of any witnesses who observed the accident.
• The street names of where the accident happened.
• It is also a good idea for you to write down some accident details such as direction of travel, speed of vehicles involved and pre-accident actions (e.g. did they brake, any horns sounded, did they swerve to avoid accident).

Step 3
You should fully cooperate with the authorities and truthfully answer their questions. However, in general, we recommend that you not discuss how the accident occurred with the other party involved.

Step 4
It is important to notify Florida Auto Insurance as soon as possible following an accident. We are here to assist you, and the sooner you contact us the quicker we can begin the steps to process your claim or answer your questions.

 

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