Orlando Harmon
If you've been in a car accident and need to report it to AAA Insurance, there are several steps you should take. First, ensure you call 911 to get medical help if anyone is injured. Then, contact the police so an official accident report can be filed. Exchange information with the other driver(s), including names, contact information, insurance details, driver's license number, and auto insurance carrier and policy number. Take photos of the accident scene and any vehicles involved, as well as recording important details such as the date, time, location, direction of travel, visibility, and witness contact information. Once you have this information, contact AAA by calling your local AAA club or the number on the back of your membership card to report the accident and file a claim.
| Characteristics | Values |
|---|---|
| When to report an accident to AAA Insurance | As soon as possible after the accident |
| How to report an accident to AAA Insurance | By calling your local AAA club or the number on the back of your membership card |
| What to do before reporting an accident to AAA Insurance | Call 911 to get medical help if anyone is injured, call the police, provide them with your name, contact information, and exact location, and get their name and a police report number |
| What to do after reporting an accident to AAA Insurance | File a claim by calling AAA or using their website, exchange information with the other driver(s), including name, contact information, and insurance information, take photos of the accident scene, get the names and contact information of any witnesses |
| What to do if the police are not dispatched | File an accident report yourself later by calling your local police station or DMV, move your vehicle to a safe location if possible |
| What to do if you have PIP insurance | File a PIP claim with AAA, regardless of fault |
| What to do if you were at fault for the accident | Your AAA insurance will likely increase, and your car insurance policy's medical payments coverage will be used in combination with your health insurance to help pay the bills |
| What to do if another driver was at fault | Submit an insurance claim and a repair estimate to that driver's insurance company |
| What to do if there are discrepancies over fault | Costs will be distributed proportionally based on the percentage of fault |
| What to do if you don't have an attorney | Call an attorney before you contact AAA Insurance, as they may ask tricky questions that can damage your future injury claim |
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What You'll Learn
- Call 911 and get medical help if anyone is injured
- Report the accident to your local AAA club or call your local police station if police are not dispatched
- File a claim with AAA online or over the phone
- Exchange information with other drivers, including names and insurance details
- Contact an attorney before speaking to an insurance adjuster
Call 911 and get medical help if anyone is injured
If anyone is injured in a car accident, the first thing to do is to call 911 to get emergency medical help. This is true whether you have AAA insurance or not.
When you call 911, be prepared to provide details of the emergency, such as a description of any injuries or symptoms being experienced by those involved. Remember, the call-taker's questions are important to get the right kind of help to you quickly. Follow any instructions given to you by the call-taker, and don't hang up until they say you can. In many cases, they can provide step-by-step instructions to aid those in need of first aid, CPR, or those who are choking.
If you are able to, it is also a good idea to take photos of any physical injuries at the scene of the accident. This will be useful when making an insurance claim.
After calling 911, you should then contact AAA by calling your local AAA club or the number on the back of your membership card. You can choose to report the accident and file a claim immediately, or you can report the accident and file a claim at a later time. If the police are not dispatched, you can file an accident report yourself later by calling your local police station or DMV.
If you have Personal Injury Protection (PIP) insurance, you can file a PIP claim with AAA, regardless of who was at fault for the accident. In Maine and New Hampshire, those with car insurance can file a MedPay claim for medical expenses.
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Report the accident to your local AAA club or call your local police station if police are not dispatched
If the police are not dispatched to the scene of the accident, it is important to file a report at your local police station as soon as possible. You can also call your local police station to file a report. It is in your best interest to do this as soon as possible, as the longer you delay, the more complicated filing a claim becomes.
You should also contact your local AAA club to report the accident. You can do this by calling the number on the back of your membership card. You can choose to report the accident and file an insurance claim at the same time, or you can report the accident and file a claim at a later date.
Before contacting your insurance company, it is recommended that you speak to an attorney or experienced accident lawyer. They will be able to advise you on how to proceed and protect your legal rights. Insurance companies are well-versed in denying claims and asking tricky questions, so it is important to be cautious about what you say. Do not admit fault, and do not share your policy or policy limits with others involved in the crash.
When reporting the accident to your local AAA club, you will need to provide details of the collision, including property damages and bodily injury damages. You will also need to provide your name, contact information, and insurance information. It is also helpful to provide the name of the police officer who attended the scene and the police report number, if you have it.
If you have personal injury protection (PIP) insurance, you can file a PIP claim with AAA, regardless of who was at fault. If you live in Maine or New Hampshire, you can file a MedPay claim for medical expenses.
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File a claim with AAA online or over the phone
If you have been in a car accident, it is important to contact your insurance company as soon as possible. You can file a claim with AAA by calling them or using their website.
If you choose to call AAA, you can use the number on the back of your membership card or call your local AAA club. You can also file a claim online through the AAA website. You do not have to file your claim at the same time as reporting the accident.
Before you begin the claims process, make sure you have followed the correct steps at the scene of the accident. If anyone is injured, call 911 for medical help. Call the police and report the accident, providing your name, contact information, and exact location. When the police arrive, get their name and a police report number. You should also exchange information with the other driver(s), including names, contact information, and insurance details. Take photos of the accident scene and get the names and contact information of any witnesses.
When filing a claim, be prepared to answer detailed questions about the accident, including property damages and bodily injury damages. You should also be aware that the adjuster will want to know all the details of the collision, including whether you were at fault. If you were not at fault, you must be firm about this. It is always best to call an attorney before you contact an insurance carrier and speak to an adjuster.
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Exchange information with other drivers, including names and insurance details
Exchanging information with other drivers involved in an accident is a crucial step in ensuring proper documentation and facilitating any potential insurance claims. Here are the key details you should exchange:
Contact Information
Provide your full name, phone number, and address. It is also advisable to obtain the names and contact information of any witnesses to the accident, as they can provide a neutral third-party account of the events.
Insurance Information
Share your insurance company's name, policy number, and contact information. Similarly, obtain the same insurance details from the other driver(s). This information is critical in the claims process and can help you receive the compensation you may be entitled to.
Driver's License Information
Exchange driver's license numbers, including the issuing state, and ensure that the other driver's license is valid. This information is necessary for any police reports and insurance claims.
Vehicle Information
Share details about your vehicle, including the make, model, year, and license plate number. Record the same information for the other driver's vehicle(s). This information is important for identifying the vehicles involved and assessing any damage or repairs needed.
Accident Details
Note the exact location of the accident, including the street name, nearby landmarks, and the direction both vehicles were traveling. If possible, take photos of the accident scene, vehicle damage, and license plates, as well as any relevant road signs or traffic signals. Document the time and date of the accident. This information will help recreate the event and determine any contributing factors.
Remember, it is essential to remain calm and focused during this process. Avoid making statements about fault or engaging in confrontations with the other driver, as this can escalate tensions and hinder cooperation. Instead, focus on gathering the necessary details and protecting your rights.
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Contact an attorney before speaking to an insurance adjuster
If you've been in a car accident, you will likely have to talk to an insurance claims adjuster. The adjuster is in charge of handling your insurance claim. They will take statements, review police reports and other evidence, speak to witnesses, and assess the damage to your body and vehicle.
Insurance adjusters handle claims all day, every day, and their goal is to settle the claim fairly while saving their company money. This means that you could miss out on thousands of dollars in damages that you may be entitled to by law.
To avoid this, you should contact an attorney before speaking to an insurance adjuster. A seasoned personal injury attorney is qualified to negotiate with an adjuster and formally handle your claim. They will take the adjuster's contact information and serve as their direct point of contact, guiding you through the claims process and protecting you from any pitfalls.
If you decide to hire an attorney, you won't have to speak to an adjuster at all. They will negotiate with the adjuster on your behalf and fight for the settlement you deserve. This means that you can focus on getting better while they take care of getting you the compensation you are owed.
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Frequently asked questions
The first thing to do is to call 911 to get medical help if anyone is injured.
Contact your local AAA club or call the number on the back of your membership card to report the accident.
You will need to provide your name, contact information, and exact location. You will also need to provide details of the accident, including the date and time, location, direction of travel, visibility and weather conditions, license plate numbers, and names and phone numbers of any witnesses.
You can choose to file a claim immediately or at a later time. You can file a claim by calling AAA or using their website.
With AAA Accident Assist, AAA will dispatch roadside assistance to tow your vehicle, schedule repairs, and make a rental vehicle reservation.
