MADISON (WKOW) -- If you've ever been in a car accident, you know how easy it is to forget important information in the moment. Angie's List has some reminders.
If you have an accident and there are injuries, call 911 first. If it's just a minor mishap then stay calm and take notes. Angie Hicks with Angie's List says, "Most of us carry a camera around on our phones, so it's a great way for you to document what happened. Take pictures of your car; take pictures of the scene because you can have those to share with your insurance company or the police, for that matter."
Insurance agent Craig Hoge has a few tips of exactly what to document. "The points of impact on the car; any road markers that there may be, such as a turn lane, traffic lights; getting a snapshot of the license plate of the other party; and very importantly, getting a snapshot of their insurance identification card."
Don't be pressured into accepting responsibility until you have all the fact. Hoge says, "You don't ever want to admit fault because in many cases, there's other factors that have happened in an accident that you are not aware of. Somebody, maybe, that it's a no turn on red and they've turned, which can cause, at worst, contributory liability."
Angie adds, "Don't sign anything at an accident scene unless it's something the police are asking you to sign. What you want to do in that scenario is you just want to be exchanging your information with the other driver. Exchange your contact information and your insurance information, but leave the rest of the documentation to the police."
Hicks says to expect an increase in your insurance premium if you have more than two significant claims in a short period of time. The decision to file a claim is simple: if your damage costs less than your deductible, pay for the repair yourself.
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