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Getting into a car accident can be a terrifying experience—your heart races, your mind spins, and suddenly, the world feels very uncertain. We understand how overwhelming it can be in the moments following a crash. That’s why we’ve created this step-by-step guide to help you stay calm, take action, and protect yourself—both physically and financially.
1. Stay Calm and Check for Injuries
First things first—take a deep breath. If you or anyone else is injured, call 911 immediately. Safety is always the top priority. Even if you feel okay, it’s still smart to get checked out. Some injuries don’t show symptoms right away.
2. Move to Safety
If your vehicle is creating a hazard and can be moved, pull over to a safe location. Turn on your hazard lights to alert other drivers. If you can’t move the vehicle, stay inside with your seatbelt fastened until help arrives.
3. Call the Police
Even if it’s a minor accident, having an official police report is crucial for filing your claim. The officer will document the scene and gather details that may help you later on.
Exchange Information:
Swap names, phone numbers, insurance details, license plate numbers, and driver's license information with the other driver(s).
Document the Scene:
Use your phone to take pictures of damage, street signs, road conditions, and anything else relevant to the crash.
Talk to Witnesses:
If anyone saw the accident, ask for their contact info. Their statements may help later during claims or legal proceedings.
4. Notify Your Insurance Company
As soon as it’s safe, contact McFadden Insurance Services at 813-920-0000. The sooner we know what happened, the sooner we can help. Our claims team will walk you through what’s needed and what happens next. Having photos and the police report on hand will make things easier.
5. Understand Your Coverage
Wondering what your policy covers? Here's a quick overview:
| Coverage Type | What It Covers |
|---|---|
| Liability | Damages and injuries you cause to others |
| Collision | Damage to your car from a collision, regardless of fault |
| Comprehensive | Non-collision damage like theft, fire, or hail |
| Medical Payments | Medical expenses for you and your passengers |
| Uninsured Motorist | Protection if the at-fault driver doesn’t have insurance |
6. Watch Out for Common Mistakes
When emotions run high, it’s easy to slip up. Here are a few things to avoid after an accident:
- Don’t admit fault at the scene—even saying “I’m sorry” could be misinterpreted.
- Don’t leave the scene without exchanging information or contacting authorities.
- Don’t skip medical treatment—some injuries take time to reveal themselves.
7. Start the Repair Process
Once your claim is filed, we’ll guide you through the repair process. We work with reputable local repair shops to make sure your car gets fixed right. Want a rental while your car’s in the shop? Let us know—your policy may cover it.
8. Take Care of Yourself
Last but not least—don’t forget your emotional health. Accidents are jarring. Talk to someone, take a day off if needed, and give yourself time to recover. Your peace of mind matters just as much as your vehicle.
Be Prepared Before It Happens
Accidents are never planned, but preparation can make a big difference. Store a copy of your insurance card in your glovebox. Keep a phone charger and first-aid kit in your car. And most importantly, know that McFadden Insurance Services is here when you need us most.
Have questions about your policy or need help understanding what coverage makes the most sense for you? Call us at 813-920-0000—we’re happy to walk you through it.
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