How to use your Auto insurance after an Accident in Memphis

Auto Insurance Memphis

Memphis sits on a bluff overlooking the Mississippi river. Memphis is home of the blues and birthplace of rock n’ roll. You can still take a cruise on a paddle wheeled riverboat along the lazy Mississippi. Even in a historical and musical city such as Memphis, accidents happen. Auto insurance in Memphis is an absolute necessity in modern day times. The penalties for driving without auto insurance are extreme.

If you should get into an auto accident, the police are going to ask for your registration, driver’s license and proof of auto insurance immediately. Nobody wants to be involved in an auto accident. It’s dangerous, expensive and shakes up your confidence in life. This is the time have a very good auto insurance company that stands behind you and helps you through a genuinely traumatic experience.

The most important thing to do is stay calm. This is easier said than done. The first reactions are incredulity that the accident happened, fear, shock and sometimes panic. The first thing to do is call 911. Then go to see if anyone is injured and needs immediate assistance. If the vehicles are in a dangerous location, move them immediately. If they are safe, leave them as is.

The next thing to do is take pictures. Use your cell phone to document the accident before anything is moved. If you have pen and paper in your glovebox (which you should have especially for this purpose) begin to write down what happened. Get the names and number of witnesses.

Next, get the names and numbers of everyone involved in the accident. Try to stay calm and relaxed.

It’s important to obtain the name of the other party’s auto insurance company and the vehicle identification number (VIN) number on their car. Many auto insurance in Memphis use VIN numbers, not license plate numbers.

After an accident, people tend to be very upset and want to talk. Don’t discuss the accident with anyone but the police and your auto insurance agent.

Call your auto insurance’s 800 number while still at the scene. Sometimes the police officer can assist in explaining the accident to your auto insurance company. None of us think too clearly at times like these.

Finally, file a police report no matter how insignificant the accident might seem. Your auto insurance company can process a claim in the speediest manner with a detailed and accurate police report.

Be honest with the police no matter how scared or responsible you may feel. Lying to a police officer about the accident may land you in jail. With that in mind, relax, realize you are safe and tell the truth.

Everyone makes mistakes.