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Oyer Insurance Agency LLC - 2708 Cleveland Road - Wooster, Ohio 44691 - Phone # (330) 345-5819 - Email: TrentO@OyerInsuranceAgency.com

Coverage cannot be bound over the phone, email, voice message or website submission. 

What to do after you have been hit?

November 25, 2019

 The unimaginable has happened, and now you will need to deal with the headache and hassle. We are here to help you, beginning with whom to call after an accident.


Not at-fault accidents can and are rarely ever the same. It's important to have an agent to advise you on the best course of action.


Pros of calling your own insurance

In a car accident coverage, you can make a claim on your own car insurance company. Your insurer will pay for all the car expenses, minus any deductibles. The which is at-fault, might not contact their insurance company. will feel more confident in your insurance provider than the other party’s. The whole will be probably quicker as the company will not have to determine who is at fault before sending you the check. Not only but if you don’t have the other parties insurance information waiting for an accident report can take valuable time. The other party may not even have insurance which would mean you waited for nothing. In case you have a rental reimbursement in your policy, you can get a rental car right away.


Pros of using the at-fault parties insurance

You eliminate having to worry about a deductible with your insurance and paying any additional for a rental car. Also, if you don’t have collision coverage under your policy and the other party has then your only option is to turn it in under the at-fault parties insurance.


Getting the Facts Straight

After you get into a car accident, best to call your auto insurance agent. ’t forget to get all the facts straight right after the accident. Oyer insurance has created a checklist for you to follow and ensure you get the details to your auto insurance agent.

  • Right after your accident, call the police

  • Exchange insurance information with the other party

  • Call your agent as we can help you sort through many of the variables and simplify the process. We can also request an accident report on your behalf to their insurance information if you it.  

  • After informing the police about the incident, take your phone or use a voice memo to report everything that has happened.

  • Also, take pictures of the accidents to report any major or minor damages, which to your vehicle and other party’s vehicle. It is vital, as your description of damage should be identical with your photographs when you report the matter to your car insurance agent.

  • Don’t forget to report any injuries you have sustained during the accident.

  • Last, but not the least, do not forget to report any damage done to the property such as a laptop, iPad.


Oyer Insurance is a specialized Wooster car insurance company. Get the right quote today to ensure you find the best auto insurance for your unique needs. A little time the right insurance, and a few dollars paying for it, might save a lot of cost of an accident.

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