The most important thing is to remain at the scene of an accident if
your vehicle is involved. Send others for help especially if you are
Worry first about the passengers in the vehicles and their immediate
safety. Turn off ignition switches to avoid a risk of fire. Do not
attempt to move seriously injured persons unless their vehicle is on
Wait for the police and ambulances to arrive. (If you are in a remote
area and there are significant injuries, attempt to minimize bleeding or
administer CPR if necessary).
What to Do Next
- Get important information at the scene.
In addition to getting information from other drivers, be sure to
get at least the names and phone numbers of any witnesses or people
who stopped to help.
- Share only pertinent information at the scene.
Provide your driver's license, registration, and contact information
only to the other drivers, injured persons, or police officers. Do
NOT discuss the circumstances of the accident with anyone except the
police. Do NOT discuss responsibility with anyone except a
positively identified representative of your insurance company.
- Complete an Accident Record.
Write down everything you can remember about the accident. Include
as many details as possible. Revisit the scene at a later time if
necessary to take pictures.
- Report the accident to the Department of Motor Vehicles.
Kentucky State Law requires that all accidents involving
injury/death or property damage in excess of $500.00 be reported
within ten (10) days to the Department of Motor Vehicles.
- Notify your Insurance Agent immediately.
Date & Time Called:
Write your Claim No. here:
Towing the Vehicle
City, county, and state police have a call list of towing operators
that are approved by the State to tow from limited access highways and
from county streets. These operators are licensed and bonded and
experienced in towing late model vehicles to preclude further damage to
Most automobile insurance policies include a nominal "towing" coverage,
but you should be advised that the allowances provided in coverage do
not always pay the towing bill in full. If your car is being towed long
distances off the interstate, at odd hours, or in extreme weather
conditions, there may be legitimate additional charges from the towing
operator that may not be covered by your towing allowance.
As soon as possible after any accident, you should contact
your insurance company or agent. You should be aware that your
insurance company may record your telephone call or verbal
report of what happened, and you should always request a written
transcript of your statement for your personal records. Your
insurance company must provide this transcript to you upon
request and without charge.
It may take your insurance company/agent several days to get
back to you with a claim number. The claim number is very
important: Be sure to write it down, and repeat it back to
the agent to verify that you copied it correctly. If your
insurance company takes longer than a week to assign a claim
number, or is not forthcoming on the reasons for the delay, you
may wish to consult an attorney to further protect your rights.
Reputable collision repair facilities will require a claim
number to begin repair of your vehicle. Be wary of companies
offering to begin repairs without the proper paperwork.
It is not advisable to accept a settlement check from your
insurance company or the insurance company of another driver
involved the accident, until you are certain that it covers all
the necessary repairs to your vehicle. If you are being
pressured by an insurance company to settle prior to receipt of
detailed repair estimates, you may wish to consult an attorney.
Even though the laws of many other states prohibit driving a
vehicle without auto insurance, people do drive without
insurance every day. If you are involved in an accident with an
uninsured motorist and they are at fault, your only
recourse for liability and payment is legal action, a costly and
In the meantime, any repairs to your vehicle, the need for
rental or loaner cars, and other expenses will be something you
will have to pay out of personal funds and hope to recoup later.
The best advice-make sure you have Uninsured Motorist
Coverage for every vehicle listed on your automobile
insurance policy. Uninsured Motorist Coverage provides policy
coverage for both personal injuries and property damage. The
cost of this coverage is minimal and the peace of mind it
provides is invaluable.