Be Prepared: What to Do Before & After a Car Accident

No matter how minor, being in a car accident can really jolt you (pun not intended). To ease the burden and shock, familiarize yourself with the following tips about what to do before and after an accident.

car accident

Before the accident
Be sure to keep your vehicle registration, auto insurance and emergency contact list in your car, and always carry your driver’s license with you when driving. Keep a set of orange cones or warning triangles in your trunk to help alert traffic in the situation of an accident.

At the scene
Before worrying about anything else, make sure everyone is OK (including people in the other car), and call 911 if anyone is injured. Then immediately move everyone (and your car if possible) to a safe location on the side of the road.

Once in a safe space, be sure to call the police to file a police report, and use your smartphone to take pictures of the damage. Before the other party departs, exchange information and take down their insurance information, license plate and a photo of their driver’s license. Notify your insurance company immediately and be ready to provide them with this information. If you are a Metromile customer, you can easily file your claim online or call us at 1.888.595.5485.

In case of phantom accidents
In the case of a hit and run, be sure to get as much information as possible, especially a full or partial license plate if possible. If there are any witnesses, get their contact information. Avoid fixing the car until the damage has been assessed by an adjuster.

In the case of stolen car, call the police as soon as possible to file a report, and then contact your insurance company. If you are a pay-per-mile customer, the Pulse can be used to help locate a stolen car (it’s happened in the past!).

The Aftermath
At Metromile, a customer service advocate will reach out proactively to help ensure the claims process goes as smooth as possible. No other leading insurance company does this! They will track your progress and help you with any questions you may have about resolving the claim.

If you are a pay-per-mile insurance customer and are in an accident, you can reach the Metromile claims team 24/7 at 888.215.9176. Whether you need help locating repair facilities or need an update on work being done, Metromile can get you the information you need. We’ll do everything we can to get you back on the road as quickly and safely as possible.

3 responses to “Be Prepared: What to Do Before & After a Car Accident

    1. Hi Debbie – there are a lot of factors that determine your eligibility for our insurance, so we can’t know exactly how your policy would be impacted by a claim. Rest assured, we always notify our customers of any changes well before your renewal. If you’d like to discuss more specifics, please give us a call at 888.958.5973.

  1. I like what this article mentions about getting the car towed and repaired sooner rather than later. I think this could be a very good idea, as I wouldn’t want to be without a car. I’ll have to make sure I get a tow if I’m ever in another accident.

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