What Should You Do After a Car Accident?
A car accident is an unsettling experience, and the steps you take immediately after are crucial. In Georgia, all drivers must have auto liability coverage that meets the state’s minimum requirements. This coverage may help pay for third-party injuries and property damage. Your agent can help verify that your coverage meets the state’s minimum requirements.
Immediate Steps to Take Following an Accident
Take the following steps after you are involved in an accident:
- If you aren’t hurt, check with your passengers and the other people involved to ensure no one is injured. If anyone is injured, call 911.
- If you are in heavy traffic, move vehicles to a safe location if possible.
- After an accident involving only property damage, call the non-emergency police department number to report the incident. A police report may be necessary for insurance claims.
- If you feel safe, gather details from all parties involved, including names, contacts and insurance details. Take photos of the accident scene, including vehicle positions and visible damage.
The Consequences of Being Uninsured
Driving without insurance in Georgia is a serious offense and can lead to various penalties:
- Fines and legal repercussions—Uninsured drivers may face fines and even license suspension.
- Financial liability—If you are at fault in an accident without insurance, you could be personally responsible for covering all accident-related property damage and injuries.
- Difficulty obtaining future coverage—A history of being uninsured can make it more challenging to get insurance, and you’ll typically pay higher rates.
Auto Insurance in Accident Situations
While auto insurance may help cover costs arising from an accident, it’s essential to understand that policies vary. Meeting the minimum insurance requirements in Georgia is crucial, but you might also consider additional coverage options for more financial protection. If you finance or lease a car, your agent may require full coverage insurance, which may include the following policies:
- Collision coverage may help cover damages to your vehicle from the accident.
- Comprehensive coverage may help cover noncollision-related damages to your vehicle, such as those from theft or natural disasters.
- Uninsured/underinsured motorist coverage may help cover your costs if the at-fault driver lacks sufficient insurance.
Your agent can help you secure appropriate auto insurance at favorable rates.
After an accident, consulting with your insurance provider is vital to understanding your coverage and the claims process. Guardian Insurance in Fairburn, Georgia, can help you understand different coverage options and the implications of being in an accident.
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.