In an accident? Here's what to do next

September 19, 2019 - 4:00 am
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Kansas City, MO - The last thing anyone wants is to be in a car crash.

And even if it's just a fender-bender with minimal damage and everyone is safe, it's still recommended that you call police and exchange information.

"You'll also want to take photos of the accident, damage to the car, things like that," says Lee Modesitt with the Kansas Insurance Department.

"If there are witnesses around, get witness information, and take your own notes while everything is still fresh in your mind." 

Then, make a phone call to your insurance company, and the other driver's insurance company if you feel it's their fault.

He says to be prepared to give a statement to both companies for the investigation.

Modesitt says an insurance company has 30 days to investigate, so if you're waiting for the other drivers insurance to kick in, you could be stuck with the bill until responsibility is determined.

In cases like this, he advises you to have a conversation with your provider about what coverage you have and if you should go ahead and file a claim. 

Some insurance companies have an app you can download.

"Having that available on your phone, prepares you in the event you are in an accident," says Modesitt. There's often times a checklist to help walk you through that."

Kansas is a no-fault state, meaning regardless of who's fault it is, your own insurance company pays for medical expenses, rehabilitation, funeral expenses, lost wages, and in-home assistance for yourself and your passengers.

If you feel the insurance company isn't following through on responsibilities, you can contact the Consumer Assistance Hotline for that Kansas or Missouri Insurance Department to file a complaint.

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