Car Accident Insurance Requirements

Thursday, November 20, 2014

rear-end-collisionIf you’ve ever been involved in a car accident, you’ll know that collisions can leave you shaken up and rattled. While you’re busy assessing any damage and checking to see if anyone is hurt, it can be easy to forget what you need to do next. Having said that, it’s important to collect certain information in order to protect yourself and expedite any insurance claims you may be making.

 

Your insurance company generally needs the following information:

  • Date, time and location of accident (photos are also helpful)
  • License plates of any vehicles involved
  • The year, make, model and vehicle identification number (VIN) of the other vehicle
  • Contact information for anyone (drivers, passengers or witnesses) involved
  • Police officer’s name and case number
  • Tickets issued (if any)
  • Injuries (if any)
  • The insurance company and policy number of the other vehicle’s driver/owner

For your convenience, the province of Alberta has developed a collision worksheet that can be used as a guide in case of an accident. Although not technically a legal document, this comprehensive worksheet will ensure you collect all the information you need to provide to your insurance company when making a claim or advising of an accident.

If you’re a driver in Alberta, keep a few copies of the collision worksheet in your vehicle to ensure you get all the information you need at the scene of an accident. It will save you time and the frustration of having to go back and forth collecting information from any other drivers involved.

What to do if you can’t get information from the other driver

It’s more than likely that you won’t encounter any issues when it comes to exchanging insurance information with other drivers. In some cases, however, you might find getting the information you need to be more difficult.

If the driver of the other vehicle involved is injured or incapable of providing the information requested for some reason, find out if there are any passengers in his or her car. If there are any capable passengers, ask them to get the information for you.

Another possible scenario is that you might be involved in a collision with a driver who refuses to provide his or her information. If you find yourself in this situation, do your best to document the driver’s license plate number, as well as a description of both the vehicle and the driver before he or she leaves the scene. Be sure to include this information in your police report and insurance claim.

It’s an unfortunate reality but sometimes, accidents happen. Thankfully, you can take steps to make sure you’re prepared if and when they do.

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