Auto insurance in college station texas

 

Car accidents happen every day. In most cases, those involved will exchange auto insurance information after the fact. Unfortunately, your auto insurance agency knows there are times when drivers leave the scene of an accident without leaving any information.

What should you do if involved in a hit-and-run accident? Follow the steps below and contact your auto insurance company immediately to let them know what happened.

1. Never Chase the Other Driver

If you are in a car accident and the other driver flees the scene, do not chase after them. This can be very dangerous and you would be disrupting the scene of the accident. Stay where you are and call the police so they can investigate the accident scene and fill out an accident report. *This is required to make any type of Uninsured Motorist claim.

2. Get A License Plate Number

When a hit-and-run accident occurs, a license plate number is the most useful piece of information as it can help your auto insurance agency track down both the driver and the vehicle owner. Both the police and auto insurance agents can look up license plates to identify the owner of the car and hopefully the driver who has illegally left the scene of an accident.

3. Call the Police

Once you have noted information about the vehicle that left the scene, call the police. Report your accident as a hit-and-run, and provide any details about the vehicle, provide those. The dispatcher will alert area police about the vehicle.

Wait for police to come to the accident scene so that an official accident report can be filed. An accident report is important in helping police search for the hit-and-run driver and a requirement to make an Uninsured Motorist claim under your auto insurance.

4. Write Down All Details

After hopefully getting the other vehicle’s license plate number, write down everything you recall about the accident to report to the police and your auto insurance company. Start by listing the color and a description of the other vehicle as well as the make and model if possible.

Record any damage you noticed on the other vehicle, the direction the person went when they drove away, and a description of how the accident happened. Record these details while they are fresh in your mind. If there were any witnesses, get their names and phone numbers as well as their account of how the accident happened.

5. Call Your Auto Insurance Company

After you have called the police and an official accident report is being made, call your auto insurance agency. Let them know that you have been involved in a hit-and-run accident and that the police came to the scene and made a report. Provide all the information you have written down to your auto insurance company. Your agency will work with the police to identify the driver based on the information you provided.

Hopefully you won't have to report a hit-and-run car accident to your auto insurance agency. If you do, stay calm and call for medical attention if required, then follow the above tips. Your auto insurance policy will usually cover any medical expenses under your Personal Injury Protection or Medical Payments Coverage as well as under the Uninsured Motorist Bodily Injury coverage. Damage to your car is covered by either your Collision Coverage or the Uninsured Motorist Property Damage coverage you are required by Texas to carry. Your auto insurance company will always tell you about this inexpensive option to keep you protected - even in a hit-and-run situation!

Need Auto Insurance In College Station Texas?

Jones & Associates Is The Auto Insurance Agency You Need!

Call (979) 599-7532!