Sometimes life throws you a curve ball and you have an auto accident. Insure the Lake knows that this can be a very stressful situation and we wanted to provide you some guidance in the event you find yourself in a non injury accident with another motorist.
Auto Accident Reporting Procedures
Do you know what to do in the event of an auto
accident? Typically, a Lake of the Ozarks auto insurance policy will request that you report all claims
promptly and should notify your agent as soon as possible after an automobile
accident. At that time your agent will likely report your claim to the
insurance company and an adjuster will be assigned to handle your claim.
There are certain steps you should take prior to calling
your agent in the event of an accident. First, you should report the
accident to the police so they can file a report and assist any injured
parties. Next, you should record information about the other people
involved in the incident such as: Names, addresses, phone numbers, insurance
carriers, vehicle type and license numbers. You should take pictures of
the accident if a camera is available.
If your vehicle is not drivable
have it towed to a garage, but do not authorize repairs until an adjuster gives
approval. After this is done, you should contact your Lake of the Ozarks insurance agent with the
information you gathered. You should not admit fault and it is best to
avoid discussing the accident details with anyone other than the company, your
agent or the authorities.
If you have employees driving for your business it is a good
idea to go over what is expected of them in the event of an accident. It
may even be helpful to create an accident kit to keep in the glove box to
assist in documenting an occurrence. The kit should include paper to obtain
information, a pen, emergency contact numbers, an accident report form to go
over the information needed and a disposable camera to document the damage.
You may also wish to provide a medical kit in case it is needed.
Your drivers represent your business and are the front line
in gathering the facts about the accident that will help to represent
you. The more information gathered, the better your company will be able
to defend you against possible lawsuits that may result from an incident.
Be sure to discuss the process with your insurance professional. Proper
planning is no accident.
Delivering all of your Lake of the Ozarks Auto Insurance needs - Insure the Lake!
We can help you with all of your auto insurance needs. You can have peace of mind. Contact us for a FREE quote request.
Steve Naught, CIC
NAUGHT-NAUGHT AGENCY
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral
Osage Beach, MO 65065
Next to Golden Coral
T: 573-348-2794
F: 573-348-0191
Send EmailF: 573-348-0191
