Filling out a Maine auto insurance claim or making a claim over the phone can be much easier if you follow some basic steps after the accident occurs.
At the scene of an accident, the first thing you should do is see if anyone needs medical attention. If so, call 911 for help. Even people with minor injuries should be assessed by paramedics just to be on the safe side.
If the accident is minor and your vehicle is causing a hazard to other traffic, move it off the road if you can do so safely, and switch the hazard lights on. In the event of a serious or fatal accident, attempting to move the vehicles isn’t practical or appropriate – wait for police to arrive.
Exchange information with all parties involved in the accident. Get their personal and contact details, as well as details of their vehicle and their auto insurance provider. If this can’t be done due to the seriousness of the accident, obtain the names and contact details of the attending police so your insurer can contact them.
Find witnesses and get their contact details. It helps verify your story if there are unrelated witnesses supporting your account of what happened.
When involved in an accident, you should call your Maine auto insurance provider or your agent as soon as possible, regardless of who was at fault. Last but certainly not least, don’t make admissions of liability even if it seems obvious to you that it was your fault – making such a statement may affect your claim.