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How to Prepare for a Car Accident Before it Happens

Car accidents take place all of the time, so drivers should learn about insurance claims and important information to stay prepared.

While not all people in Illinois will be involved in a car wreck this year, chances are at some point in a driver's life a collision will occur. According to the Illinois Department of Transportation, there were 296,049 motor vehicle crashes in 2014. Less than 1 percent of these crashes resulted in a fatality, yet car accidents can upend a person's life. Preparing ahead of time may make the experience easier.

Understand Your Insurance Coverage

One way motorists can prepare for a crash is by learning about their insurance. For example, details about what type of damage is covered, and what out-of-pocket expenses could be expected can be found in the policy. An insurance agent should be able to review these factors, as well as other relevant clauses in the document.

Drivers should familiarize themselves with their insurance provider's claims process as well. If a car wreck does happen, this knowledge will help eliminate surprises for the driver. Getting this material may also help a person better understand what the insurance company will want to know about the incident.

Make Important Information Easy to Find

Some car crashes result in injuries. If a driver is incapacitated, he or she may not be able to give the first responders important details about an emergency contact or medical history. People should therefore keep some facts in their glovebox. A driver may want to include the following:

  • A list of current medications
  • Insurance policy provider and number
  • Name of primary care physician
  • List of medical conditions

If this material is easy for emergency responders to access, they may be able to provide better care for those involved in the accident.

Know What Facts to Gather

Drivers should also learn what information to gather related to the collision. For example, details about the other car, such as the make, model, color and year, may be important during the claims process. This is especially good data to try to remember if the other party involved left the scene of the incident. The other driver's name, address, insurance policy number and driver's license number is also important to know.

Getting details from those directly involved in the wreck is not all that should be done. Both parties may want to get names of the passengers in either vehicle and statements from witnesses to the crash.

It may be impossible to plan for a car accident in the Chicago area, but vigilant drivers should know what they can do in case of a collision. When a crash does take place, it is always helpful to talk with a knowledgeable attorney who can guide you through the process.

Client Reviews
Shawn Collins is a very talented lawyer, as are all the attorneys on his team. I've known and worked with Shawn for more that 30 years. Not only is he a top notch technical litigator but his communication skills are second to none. If anyone I know is ever in need of an attorney, Shawn is my very first recommendation. He gives very solid advice that goes beyond the law. He is someone you can trust to tell you the truth so you are not lead astray in the complex legal world. You really can't find a better advocate. E.M.
We were incredibly satisfied with our experience with The Collins Law Firm. We worked closely with Ed Manzke and found that he had a personal touch and truly got to know us in addition to being knowledgeable and effective in his field. The caring and individual attitude helped us tremendously throughout the entire process and we always felt like our case was in safe hands. We would highly recommend The Collins Law Firm for both its stellar work and dedicated employees. M.A.
My father recommended The Collins Law Firm to me after watching Shawn Collins and Ed Manzke at trial representing Lisle residents against Lockformer. For years, he told us courtroom tales about Shawn and Ed, citing their incredible skill as trial lawyers and how they put the huge Lockformer legal team to shame. So when my son was the victim of a wrongful death, they were my first and only choice. I can't say enough to truly express how grateful I am to The Collin's Law Firm for all that they did for me and my family. This amazing team advocated for me in my darkest moments, surpassing my expectations in every way. I will be forever grateful to Shawn and Ed. K.D.
I have worked with Rob, Shawn and The Collins Law Firm team in connection with both complex business transactions and litigation over the past several years. Shawn is far and away the best business litigation attorney I have worked with. Rob has been our lead attorney on M&A and corporate restructures, and he has delivered each time, and on time. I would highly recommend Rob to get the deal done! W.D.
Rob has been our out-side General Counsel for ten years. As a business with a global presence, it is important that we have the very best legal representation. Rob and the team have guided us through litigation battles, negotiating and drafting our important business contracts, and advising us in our business strategies. He has a great team of lawyers working with him. M.F.