Car Insurance in Oklahoma

Reader’s Question:

Hi, I’m in Oklahoma, and I’ve never been in an accident before, but I want to know just what to do auto-insurance wise if ever it happens to me.

Dolly

Tulsa, OK

Well, hello, Dolly. Yes, I hope nobody ever figures in an accident. I’ve been in one here in Oklahoma, too, and it was nowhere near pleasant. But if ever it happens, what you need to do first, of course, is to check for any injuries. Some injuries would take hours or days before they appear. It is always best to go see a doctor just to be really sure. And then there’s the matter with the police. Report the accident immediately. Then call your auto insurance company and tell them about the accident.

Speak with the other driver if you figured in a collision accident, and exchange information with him or her: phone number, address and insurance information. This is especially important if the accident was caused by the other driver. You could also look for witnesses and ask for their contact information in case their account of the accident is needed.

So, to sum it up: When you figure in an accident check for any injuries, contact the police, exchange pertinent information with the other driver, contact auto insurance company and check if you can find any witness.

After reporting the accident to the auto insurance, they will then send an insurance adjuster. Be ready to provide what you know to the adjuster. Do not add anything or edit what happened because the adjuster will confirm your story with other sources, too, such as the witnesses’ account, the other driver’s story and the police report.

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