Accident Procedure for Drivers

By: Paul Hanson Executive Staff

When involved in an accident it is critical that the driver collect as much information as possible so investigation and claims handling, by both the company safety officer and insurance company claims adjusters, can take place in the most efficient manner possible.

Accident Checklist
  • Assist any injured persons at the scene, but do not move anyone unless absolutely necessary to prevent further injury (from fire, ect.) Call, or have someone call an ambulance. Keep the injured person warm and quiet until the ambulance arrives.
  • Secure the scene with road flares or reflective triangles to avoid further accident or injury. Turn on your emergency flashers
  • Complete an initial accident report. Include description of other vehicle, year, make model, color. Other driver information- Name, address, drivers licensee number, phone number. Descriptive statement of the accident. Police information if they respond - include police department, officer name and badge or ID#.
  • Take pictures. Use a disposable or Polaroid camera to take pictures of other drivers car, damages, your vehicle and damages, overall picture of the scene, pictures from multiple locations, include lights, signs, skid marks, weather and road conditions.
  • At the scene remember you are the professional be courteous to all those involved, do not do anything to antagonize others involved in the incident. Make no promises and DO NOT ADMIT ANYTHING AND DO NOT ARGUE. Collect names and phone numbers of any witnesses to the accident. Do not make statements to anyone except the investigating officer or your company safety officer.
  • If you hit an unattended vehicle follow all of the above procedures and leave a note that includes your name, company name, company phone number and the contact name at your company.
  • After returning to the office take 15 minutes to write a comprehensive description of what happened, how the accident was caused, and all other information you can recall of the incident. Draw a diagram if needed to better explain vehicle position.
  • Report the accident to the company safety officer as soon as possible. The company safety officer should report the accident to the insurance company within 24 hours. This will allow the investigation to start promptly and let the victims know that there will be professional follow up.
Accurate and timely information will reduce long term claim costs and maintain and improve company reputation and professionalism. If you should have any questions regarding accident procedures please contact our claims department.