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Overturned carYou’re in an accident. Your vehicle has damages. The other person’s vehicle has damage, too. And, you realize you may be to blame.

When a situation like this happens, take a deep breath. Call the police and your auto insurance agent. In most cases, you have insurance to help you. The right car insurance will help to pay for many of the losses you could experience in an accident like this.

However, the specific coverage depends on the details of your plan.

In That Moment

If an accident just happened and you don’t know what to do next, step aside to collect yourself.

You’ll need to involve the police and your auto insurance agent. While you speak to the other driver, be careful not to admit guilt. You likely don’t have all the details of what happened. Allow the police to determine fault. Once everyone is safe, allow your car insurance agent to help you through the claims process.

What You Can Expect

Your auto insurance agent will talk to you about what happened. He or she will use the police report to determine blame and responsibility for all losses.

In most cases, you don’t have to have any other contact with the other party. The agent will handle the process for you. If you have comprehensive coverage, including high liability levels, your policy is likely to cover:

  • The damage to the other person’s vehicle
  • Any medical bills related to the accident for other drivers or others involved
  • Financial coverage for lost property
  • Your legal defense should you face a lawsuit
  • Pain and suffering claims up to the policy limit.

Keep in mind that you have a limit on your liability insurance. Most drivers should carry a limit that’s high enough to protect against most claims. Your car insurance agent should work with you to determine the best limit for your area. This generally is at least $100,000.

It is possible that you could face damages higher than your auto insurance limit. If this happens, you will need to work with an attorney to get the claim settled. Your car insurance company is likely to help in settling the claim as well. In some situations of gross negligence, you could be accountable well beyond what your policy covers. This is why you need the right policy and the right team to help you.

If you need auto insurance coverage, let us help you today. Call us at 877.997.2478 today for a Macon auto insurance quote.

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