What to Do After a Car Accident in Hanover, PA
Nobody expects to get in a car accident, but it can happen in the blink of an eye. Whether it's just a minor bump or something more serious, those first few moments afterward are essential. Knowing what to do can help keep you safe, protect your rights, and save you a lot of stress down the road. That's why Rumbaugh Insurance is here to be the local support you can count on when things get overwhelming. If you're ever in an accident in Hanover, PA, here's what to do next.
Immediate Steps at the Scene
Ensure Safety First - Check for injuries and move your car to a safe location if you can. Be sure to turn on your hazard lights to alert other drivers.
Call 911 - Even if the accident seems minor, calling the police ensures that there is an official record of the incident. A police report is often crucial when filing insurance claims or determining fault.
Don't Admit Fault - Be cooperative, but avoid admitting guilt or assigning blame. Stick to the facts and let your insurance provider and law enforcement sort out liability.
Document the Accident
After making sure everyone is safe, take a few minutes to document the scene. Use your phone to snap photos and videos of the damage to all vehicles, the surrounding area, traffic signs, road conditions, and license plates. Then, exchange information with the other drivers, including their names, phone numbers, insurance details, license numbers, and vehicle information. If anyone nearby saw the accident, kindly ask if they'd be willing to share their contact info in case you need a witness later. It might feel like a lot at the moment, but these small steps can help you down the road.
File a Police Report if Applicable
If there are any injuries or the damage looks serious, it's essential to file a police report. In Pennsylvania, it's required in those situations. When the officers arrive, they'll take down the details and create an official record of the accident. This report can be a big help when you're dealing with insurance. It adds credibility to your claim and helps clear up any confusion about what happened. Don't forget to ask how you can get a copy of the report. Your insurance company may need it, and it's always a good idea to have it for your records.
Contact Your Insurance Agent
As soon as you've handled things at the scene, give Rumbaugh Insurance a call. Our local team is here to support you every step of the way. We'll walk you through the claims process, help with any paperwork, and explain precisely what your coverage includes, like towing, rental car reimbursement, or medical expenses.
Seek Medical Attention
Even if you feel fine, it's a good idea to see a doctor. Some injuries, like whiplash, concussions, or soft tissue damage, don't show up right away and can take hours or even days to feel. Getting medical attention early not only protects your health but also creates a record of your injuries in case you need to file a personal injury claim later. Be sure to keep all your medical records and bills organized, as they may be important down the line.
Hanover, PA-Specific Tips
While accidents can happen anywhere, certain roads and intersections in Hanover have become known for a higher frequency of incidents. If you regularly drive in or around the area, it’s a good idea to stay alert in these specific locations:
York Street: A busy corridor that sees a high volume of both local and through traffic. Sudden stops, frequent turns, and limited visibility in some stretches make it a common spot for rear-end collisions and fender benders.
Eisenhower Drive: This commercial area is surrounded by shopping centers, restaurants, and multiple access points. With frequent lane changes, turning vehicles, and distracted drivers entering and exiting parking lots, it’s a hotspot for accidents—especially during peak hours.
Route 94: As a main route for commuters and out-of-town drivers, Route 94 sees a mix of high speeds and heavy traffic, which can lead to more serious accidents. Be particularly cautious at intersections and while merging.
Knowing these areas and approaching them with extra caution—especially during rush hour or bad weather—can help you reduce your risk of being involved in an accident. Defensive driving, staying off your phone, and maintaining a safe following distance are key practices for navigating Hanover’s busier roads safely.
After the Dust Settles
Once the immediate chaos is behind you, it's crucial to stay on top of your insurance claim. Keep in touch with your agent and the claims adjuster to make sure things are moving forward, and hold onto any notes, emails, or paperwork related to the claim. This is also a great time to take a fresh look at your insurance policy. Life changes fast, and your coverage should keep up. You may be driving more, have a new vehicle, or want extra peace of mind. Whatever the case, we're here to help make sure your policy still fits your life.
Trust Rumbaugh Insurance to Be There When It Matters
We know how stressful an accident can be, but you don't have to face it alone. As an independent and locally owned insurance agency in Hanover, PA, we're committed to delivering honest advice, flexible options, and dependable service you can count on.
Need help after an accident? Call Rumbaugh Insurance today.