What to do in case of an accident?


7 steps to take after a car accident

Jackson Insurance Journal

A Farmers Client Guideline

After an auto accident.

HelpPoint Claim Services is there for you, any time of day, any day of the week, to help you report an accident, arrange roadside assistance or towing and even coordinate auto-glass repairs or replacement services.

If you’re involved in an accident:

  1. Stop and check for injuries. If anyone is injured, call 911.

  2. Set flares, or signal with a flashlight, to warn other drivers and prevent further damage.

  3. Notify the police. Often, a passing driver or bystander will do this for you.

  4. Gather facts— names and phne numbers of any witnesses, and information about the other driver (driver’s license number, phone number, insurance information, and description of the other vehicle.)

  5. Be careful what you say. Don’t admit resposibility-an investigation may show that you weren’t responsible.

  6. Find out which authorities your’re required to inform, based on your state’s laws, and be sure to inform all of them.

  7. Contact HelpPoint Claim Services at (800) HelpPoint—(800) 435-7764

Be prepared


In Case of an emergency, you should always carry the following items in your vehicle:

The Jackson Insurance Journal

  • Insurance identification card and vehicle registration.

  • A camera phone or a disposable camera (for scene and vehicle photos)

  • Jumper cables

  • Emergency contacts list(to notify family)

  • Medical card (including information about medical conditions/allergies)

  • First-aid kit

  • Blanket

  • Pen and paper (for contact names, numbers, witness information, etc.)

  • Flares/”Need Help!” sign

Learn about your policy before the accident

Your Farmers auto policy may include Comprehensive, Collision, and Medical Expense/No-Fault coverage. Here’s what each type of coverage generally provides- see your policy for details.


This coverage for a loss to your insured car from accidental means other than collision, less a deductible selected by you. As a general rule, the accidental causes of loss that are covered include missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion, or colliding with a bird or animal. Breakage of glass can be covered under Comprehensive or (if caused by collision) by Collision coverage. The deductible for repair or replacement of broken glass may be reduced or waived.


This is coverage for a loss to your insured car from collision with another object or upset of your insured car, less a deductible selected by you. As with Comprehensive coverage, the deductible for repair or replacement of broken glass may be reduced or waived.

Medical Expense/No-Fault

Medical Expense coverage is coverage for the reasonable cost for necessary medical services because of bodily injure sustained by you or a family member (or by a passenger in your inured vehicle) because of an accident, subject to a limit selected by you. It may also cover you or any family member who are struck as pedestrians. See your policy for specific coverage language.

In some states “No-Fault” coverage is known as Personal Injury Protection, or PIP insurance benefits and limits, which may include coverage for medical expenses, lost earnings, and expenses of life. See your policy for details.

Other services

Depending on the coverages you purchased with your policy, you may have the following benefits:

Glass Deductible Reduction or Waiver

This coverage reduces or waives any deductible for the repair or replacement of broken glass on your insured vehicle from a covered loss. Check you policy or call your Farmers agent if you want to reduce or eliminate your deductible with respect to broken glass.


This coverage will reimburse you for the cost of a substitute vehicle while your insured vehicle is being repaired because of a covered Comprehensive or Collision loss, up to a limit selected by you., for transportation expenses incurred by you because of the total theft of your insured vehicle. Check your policy for these coverages or call Matt - 805 -583-8409 to add or update these coverages.

Roadside Assistance

This coverage provides easy, affordable towing and road service because of unexpected disablement of your insured vehicle. These may arise from a breakdown, a flat tire, dead battery, out of gas and even auto lock-outs.

Additional premium is required for optional coverages.

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As a Farmers customer, you’ve bought a promise: We’ll be there when you need to file a claim.
— Farmers. We're here to Help

Best-in-class customer service is the standard at Farmers. It’s our passion, it’s what we do best.

Here’s what makes the Farmers Jackson Insurance Services team unique:

  • Our award-winning HelpPoint Claim Services is there when you need it(800)-435-7764 —24/7, Its staff of caring professional will answer your questions and begin the process of helping you restore your life to order.

  • Jackson Insurance Services will be informed along the way.

  • Our fleet of claims vehicles is equipped with GPS technology, to help a field claims representative reach you as quickly as possible

  • When major catastrophes strike, our state-of-the-art Mobile Claims Centers become onsite claims offices, with satellite communications and computer networking to emergency responders.