You’ve been in an accident… now what?
Safety First – If a minor accident occurs, and there are no life-threatening injuries, attempt to move vehicles to the side of the road and out of the way of traffic.
Call Police –Contact police and if needed, emergency services. When law enforcement officers arrive fully cooperate and ask which precinct will be handling your accident case.
Exchange Information – Exchange your name, contact information, driver’s license and insurance information with all parties involved.
Take Photos – Assuming it’s safe to do so, take photographs of the accident scene and detailed photos of all vehicle damages.
Identify Passengers – Be sure to get the names and contact information of the passengers in your vehicle and all parties involved in the accident.
Identify Witnesses – Request and document the names and contact information of any witnesses to the accident.
Report the Accident to American Transit Insurance Company and to your broker – Immediately contact both ATIC and your insurance broker regarding the circumstances of the accident. Call ATIC at 800-683-ATIC, ext. 455.
Obtain the Police Report – Contact the precinct assigned to your case to obtain a copy of the Police Accident Report. Check the report for accuracy, and immediately forward a copy of the paperwork to ATIC and to your broker.
File an MV-104 Form – In New York State, you must file an MV-104 form with the Department of Motor Vehicles within 10 days of an accident if it resulted in a fatality, personal injury, or damage greater than $1,000.
Unfortunately, insurance fraud is commonplace, and affects all parties. Beyond the fact that fraudulent insurance claims increase premiums and delay claims processing, insurance fraud is a CRIME punishable by fines and/or incarceration.
Should you suspect insurance fraud, we ask that you immediately contact Edward Kurathowski at 212-857-8200, ext. 768.