If you own or lease a car in Kingwood, WV, it’s crucial to protect yourself with appropriate auto insurance. Not only is it a legal requirement, but if you’re at fault in an accident, you’ll be responsible for damage to your vehicle and any other vehicles or property involved. West Virginia law mandates that drivers carry liability insurance coverage. If you have a car loan or are leasing a vehicle, your lender will require you to carry comprehensive coverage. Always keep a copy of your up-to-date insurance coverage information in your car. In the event of an accident or a traffic stop, you’ll be asked to show your driver’s license, proof of insurance, and state registration. Now that you’re prepared with the proper documentation, the team at Smith Insurance Agency of West Virginia recommends the following steps if you’re involved in an accident:

What to Do If You’re in an Accident

• Stay calm and check if you or anyone else is injured.
• Call 911 or law enforcement and report the accident immediately.
• Cooperate with the police and answer any questions.
• Request a police report and keep a copy for your insurance claim.
• Take photos of the scene, damage to the vehicles, property, license plates, and any injuries.
• Exchange information with the other driver, including name, address, and phone number.
• Contact your insurance provider as soon as possible to report the accident.
• Do not admit fault or blame the other driver.
• Consider consulting with a lawyer for advice on next steps.

Contact Smith Insurance Agency Today

Being prepared is important in Kingwood, WV. Contact the experienced and friendly team at Smith Insurance Agency of West Virginia to secure the proper auto insurance coverage today.