As an AgWorkers policy member, we know you’re a good driver—by virtue of your membership you are one of the safest automobile drivers in this state. But no matter how safe of a driver you may be, the unfortunate reality is you will likely be in an accident at some point in your life— even if you’re not at fault.
What to do at the scene of an accident:
1 If possible, move vehicles to a safe location, but don’t leave the scene. Never leave until it’s appropriate to do so (leaving the scene, especially if someone has sustained injuries or was killed, can result in serious criminal penalties).
2 Check if anyone was injured and call 911 for medical assistance.
3 Contact the police, they’ll let you know if an officer needs to be there.
4 Do not admit responsibility and make no statement to the other driver regarding the accident. This is for the police and insurance companies to figure out.
5 Do not reveal the amount of your liability coverage to anyone.
6 If possible, take photos of the damage to all involved vehicles.
7 Obtain names, addresses, contact information, driver’s license numbers, complete insurance information (including policy numbers) and license plate numbers from all parties involved. You DO NOT need to give out or obtain Social Security Numbers.
8 Obtain names, addresses, and phone numbers of all witnesses.
9 Get name(s) and badge number(s) of the police officer(s) involved.
10 Keep a record of the date and location of the crash.
11 Report all accidents promptly by calling our claims department. We’ll make sure processing your claim is as headache-free as possible.
What if I hit a parked car?
1 Assess the damage. If you smashed the vehicle, notify the police. If the damage is minor (e.g. scratched the paint), there’s no need to call the cops. Take photos of all sides of the vehicle you hit (not just where you collided).
2 Regardless of police involvement you must attempt to locate the owner.
3 If you can’t locate owner: Leave a note with your name, contact information, insurance company contact info and policy number.