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What To Do After A Car Accident (Not Your Fault)


What To Do After A Car Accident (Not Your Fault)

Unfortunately, vehicular accidents happen almost every day. Knowing that you weren’t to blame for the collision makes it worse. Therefore, when someone is careless and increases the risk of driving, they should be held accountable for any damage. After a car accident that wasn’t your fault, you might have some critical questions. Read on to know what to do after a car accident (not your fault).

Check for Injuries Immediately Following the Accident, and Remain Safe

Remember to take deep breaths and compose yourself; a car accident is stressful. Check on everyone involved, including yourself. Seek emergency medical assistance if your wounds are critical or life-threatening. All other drivers and passengers must follow the same rules.

To avoid further damage, make sure everyone is out of the way. If the vehicles are in the middle of the road, try to move them so the traffic may pass. Otherwise, don’t mess with where the automobiles are. 

Call the Police

Whether it was a minor collision or a serious one, call the police. A formal police record can enable you to make the other motorist responsible for damage and repair costs if the collision wasn’t your fault. You can manage an insurance claim more effectively by filing a police report. A police report will facilitate the claims procedure as your insurance company will need one.

Gather Information About the Accident

When the police arrive, they will speak with you and the other driver to gather information. But doing it yourself is also wise because you can navigate the insurance claim procedure with this information. Take the following information with you before you leave the scene:

  • The name and contact information of the other driver
  • The names and contact details of the people riding in the other driver’s vehicle
  • Information on the auto insurance provider and policies of the other driver
  • What the other driver’s vehicle’s make, model, and color are
  • The names and contact details of any accident witnesses
  • The name, address, and badge number of the responding police officer

It is the responsible party’s responsibility to notify their insurance provider of a car collision. Sadly, not everyone abides by the law. Self-information gathering aids in establishing the accident’s reality and records the harm it caused. You’ll also need it to file a personal injury claim with the at-fault driver’s insurance company.

Contact Your Car Insurance Company

If you were in an accident that wasn’t your fault, you might be unsure which insurance company to call. Calling your car insurance provider after a collision is always the best action. They can inform you of the type of coverage you have. You also have the option of submitting a third-party claim with the Oklahoma car insurance provider of the driver who hit you if you weren’t at fault in the collision. Once the other driver is at fault in a third-party claim, the other insurance company will pay for the cost of your car’s repairs. 

See a Doctor and Get a Medical Treatment

As soon as you can after leaving the scene, even if you feel fine, visit a doctor. Injuries from auto accidents might take a while to manifest, such as whiplash. Although you might not notice them immediately, a doctor’s examination can guarantee prompt treatment. Also, you must visit a doctor to be examined and checked for fractures and internal damage. If severe internal injuries like bleeding and swelling are not recognized and treated, they may be fatal.

Additionally, going to the doctor will demonstrate to the insurance provider that your wounds are severe enough to require attention. If you have concrete proof of your damages, they are more likely to pay you back.

How to Proceed After a No-Fault Accident If You Lose Your Car

In the event of a no-fault collision, the at-fault driver will pay you the market value of your car. Your car’s cost in this situation is equal to what it would have cost to total it, and insurance companies figure out the price of it.

The replacement cost of a damaged vehicle is the price of buying a new one that is comparable to it. Your car’s value loss over time—or the cost of depreciation—is how much it has been affected. The negligent party will also be liable for the sales tax on your new car.

Final Thoughts

Car accidents are stressful and traumatic, and we understand that, due to your shock, doing all these procedures can add to your headache. However, taking these actions can help you save significant amounts of money. Also, good coverage is essential, especially in these kinds of circumstances. 

Are you searching for the best car insurance in Oklahoma? You’re in the right place. Morris Farmers Agency is aware of the importance of your life and your car to you. To help you comprehend your solutions, we are here. Call us at (405) 367-6130 if you want to protect your car the way you desire.

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Dave Ritter

Dave, Dave, Dave, what can we say about Dave? So much to say without going into too much detail. Dave joined our team mid 2021 and has been an awesome addition to our team. His sense of humor is unrivaled in our office! Dave has spent much of his career as a corporate/commercial pilot, flying professionally for a total of 22 years. He started out as a mechanic and worked his way up to being a captain. Prior to becoming a professional pilot Dave served 4 years in the United States Airforce right out of high school and then went on to serve his country an additional 8 years. Dave’s personality and broad experience make him an excellent insurance agent. His keen attention to detail, which is imperative for any pilot, helps him key in on finding his customers the proper coverage. If Dave is your agent, you can rest assured he will find you the coverage that fits your family’s needs. In his off-time Dave enjoys traveling with his wife and finding fun new things to do.


• Homeowners Insurance
• Specialty Homeowners (landlord policy)
• Renters Insurance
• Auto Insurance
• Life Insurance
• Specialty Insurance (Boats, Motorcycles, Campers, RV’s, ATV, Pet

Glen Robinson

Glen Robinson brings a wealth of knowledge and experience to our agency with 12 years of experience in the insurance industry. Glen spent 9 of those 12 years serving as an insurance agent for Triple AAA and the other three with an independent insurance agency. He has a passion for helping his customers truly understand the coverage they are receiving and helping them select the coverage that is right for them. Before entering the insurance industry, Glen spent 8 years serving his country in the United States Air Force and became the first person in his family to attend university at Oklahoma City Community College. In his free time Glen enjoys spending time with his wife, 3 kids, and their family yellow lab Jasper. He also prides himself in being a pit master and enjoys smoking all kinds of meats.


• Homeowners Insurance
• Specialty Homeowners (landlord policy, “hard to place” risks, and high value homes)
• Auto Insurance
• Renters Insurance
• Specialty Insurance (Boats, Motorcycles, Campers, RV’s, ATV, Pet)
• Commercial/Business Insurance

Danielle Brown

Danielle comes to us with years of experience in the oil and gas field. She was formerly a landwoman and has extensive experience negotiating land deals for energy companies. Prior to entering the professional world Danielle earned her degree from the University of Central Oklahoma and holds a bachelor’s degree in Psychology. Her educational background helps her understand her customers on an even deeper level than most. This coupled with her background detailing land contracts for the big oil and gas companies make her a top-notch insurance agent. Danielle will go above and beyond every time for each of her clients to ensure they are receiving the coverage their family deserves. When she’s not busy helping her customers, Danielle enjoys spending time with her 2-year-old son and husband.


• Homeowners Insurance
• Specialty Homeowners (landlord policy and “hard to place” risks)
• Auto Insurance
• Renters Insurance
• Life Insurance
• Specialty Insurance (Boats, Motorcycles, Campers, RV’s, ATV, Pet)
• Limited Commercial/Business Insurance