The Quick Answer: First, ensure everyone is safe and call 911 if there are injuries. In both Illinois and Wisconsin, you are required to exchange insurance information and, in many cases, file a police report if damage exceeds a certain threshold ($1,500 in IL / $1,000 in WI).
While the moments after a crash are stressful, following these 8 steps ensures your claim process with R Hobbs Insurance Agency goes smoothly:
- Safety First: Move to a shoulder if possible. Turn on your hazard lights.
- Check for Injuries: If anyone is hurt, call 911 immediately. Even minor “fender benders” can result in delayed whiplash symptoms.
- Call the Police: Having an official accident report is the single best piece of evidence for your insurance claim. In the Chicago suburbs and SE Wisconsin, police response times vary, so stay with your vehicle.
- Document the Scene: Take photos of the damage to all vehicles involved, the license plates, and the surrounding street signs or landmarks.
- Exchange Information: Collect the other driver’s name, phone number, insurance carrier, and policy number. Pro Tip: Take a clear photo of their insurance card and driver’s license.
- Identify Witnesses: If bystanders stopped to help, ask for their names and phone numbers. Their neutral account can be vital if the other driver disputes the facts later.
- Limit the “Small Talk”: Be polite, but do not admit fault or apologize at the scene. Stick to the facts when speaking with the other driver and the police.
- Notify Your Agent: Once you are safe, call our Lincolnshire office at 847-680-0888. As your independent agents, Lynn or Chris can help you decide whether to file a claim immediately or wait for the police report.
When you have an accident, a 1-800 number at a big carrier just sees you as a claim number. At R Hobbs Insurance, we know you. We can help you weigh the pros and cons of filing a claim based on your deductible and history. We act as your advocate to ensure the process moves as quickly as possible.