You can never expect to be in a crash. So prepare for the unexpected. Keep a one time use camera in your glove box so that you can take pictures of the scene of the accident. Keep a note pad and pen in the car so you can exchange information with another motorist. Keep a first aid kit just in case you have a minor injury that doesn't require an ambulance.
Call the Police
The best way to document what happened in the crash is to call the police. That way, if anything is wrong, the police can take care of it. (You may have your insurance paid up, but does the other driver?) Also, a police report is always helpful later on when dealing with the insurance companies.
Go to the Hospital
Chances are, if the accident was bad, you will feel some sort of pain. Go to the hospital. In Massachusetts, PIP coverage is a required portion of auto insurance. This covers your medical bills up to $2000.00 if you have medical insurance or $8,000.00 if you do not. Your medical care is covered. If you are still hurting after the hospital visit, get follow up treatment through your family doctor. Physical therapy or chiropractic treatment may also be necessary.
Call your Insurance Company
Contact your insurance company as soon as possible to set up a claim. The claim will deal with the damage to your vehicle and your medical bills.
Contact an Attorney
Attorneys deal every day with the insurance companies. They will guide you through the process of getting your vehicle fixed, getting your medical bills paid, and possibly even getting you a settlement for pain and suffering caused by the accident.
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