A car accident, no matter how minor, can leave you feeling shaken and unsure of what to do next. At Payne Insurance Group, we want you to feel confident and prepared if the unexpected happens. This quick guide walks you through the essential steps to take after a crash, from safety to filing your insurance claim.
🚨 1. Stay Calm and Check for Injuries
First and foremost, check yourself and others for injuries. If anyone is hurt, call 911 immediately. Do not try to move injured persons unless there is an immediate danger, like fire.
🛑 2. Get to a Safe Spot
If the vehicles are operable and it’s safe to do so, move them off the road to prevent further accidents. Turn on your hazard lights and use cones or warning triangles if available.
📞 3. Call the Police
Even in minor accidents, it’s important to report the incident to the police. A police report provides an official record and can be valuable when filing your insurance claim, especially if fault is disputed.
📸 4. Document the Scene
Take clear photos of:
- All vehicles involved (from multiple angles)
- Damage to property or objects (signs, fences, etc.)
- Road conditions, skid marks, debris
- Any visible injuries
Pro Tip: Use your phone’s note app or voice recorder to jot down details like time, location, and what happened.
📇 5. Exchange Information
Swap the following with the other driver(s):
- Name and contact info
- Insurance company and policy number
- Driver’s license and license plate number
- Vehicle make, model, and color
If there are witnesses, get their names and contact info too.
📲 6. Notify Payne Insurance Group
As soon as you’re safe, call us or report the accident online. We’ll help you file a claim, explain your coverage, and start the repair or replacement process.
🚗 7. Schedule Repairs
If your car needs repairs, we can connect you with trusted body shops in the Rio Grande Valley or your area. Some of our carriers offer mobile adjusters or virtual appraisals for faster service.
👨👩👧 Bonus Tip: Review Your Coverage Annually
Accidents are a reminder of how important good coverage is. If your policy is outdated, lacks uninsured motorist protection, or has a high deductible, talk to us. We can help you adjust your plan to better fit your needs and budget.
🛡️ Payne Insurance Group is Here for You
From minor fender benders to major accidents, we’re on your side. With local support and national-level coverage options, we’re committed to helping you bounce back quickly and confidently.
Browse online to see what plan works best!
Lo que tú quieres, Regardless!
