Car accidents happen every single day. The National Highway Traffic Safety Administration say that more than 5 million wrecks occur every year. The exchange of information and even a ‘picture ‘ of your license taken with a cell phone can put you at great personal risk. Many Americans are not sure what steps to take or basic information to share- or not share- after an accident. There is now a FREE mobile app from the NAIC (National Association of Insurance Commissioners) called WreckCheck that can help to eliminate that risk.
A July 2012 survey revealed consumers were unsure about auto accident best practices such as when to call the police or what personal information to exchange with the other driver after an accident. Consumers generally need only share their names and correct vehicle insurance information, which should include the phone numbers of insurance providers. Sharing additional personal information, such as driver’s license numbers and home addresses, puts consumers, their property and their safety at risk. The most common miss-perceptions and associated risks were:
- Nearly 40 percent of respondents felt they should share their driver’s licenses; one in six would allow the other driver to photograph their licenses as a convenient way to exchange information. The risk, however, is that many retailers accept driver’s license information as a common way to verify identity over the phone.
- Twenty-five percent of consumers would share their home addresses. Unfortunately, sharing this information gives identity thieves the physical location of one’s mail or garbage, which often is where they look for personal or financial information about their victims. It also means they know where their victim lives, putting his or her personal safety in jeopardy.
- Almost 30 percent of drivers think they are required to share their personal phone numbers. In fact, sharing personal phone numbers is not necessary.
- Close to 20 percent of people believe the only reason to call the police after an accident is if someone is injured. However, filing a police report can help facilitate the insurance claims process.
Identity theft is one of the fastest-growing crimes in the United States. The Federal Trade Commission estimates nearly 9 million consumers have their identities stolen each year, disrupting finances and damaging credit histories and reputations.
“The last thing you’re probably thinking about following a car accident is protecting your privacy,” says NAIC President and Florida Insurance Commissioner Kevin M. McCarty.
Eliminate the Guesswork
The new WreckCheck mobile application from the NAIC outlines what to do immediately following an auto accident and takes users through a step-by-step process to create their own accident report. It also provides tips for staying calm, safe and smart on the road, and makes it easy to capture photos and document the necessary information to file an insurance claim. Additionally, the app lets users email a completed accident report directly to themselves and their insurance agents. The app is free and available for both iPhone® and Android® smartphone users.
Drivers can visit InsureUOnline.org for additional information about what to do following an auto accident. Also available on the site is a downloadable accident checklist, a video demo, an audio news release, Interview: NAIC President and Florida Insurance Commissioner Kevin M. McCarty Discusses WreckCheck Mobile App and other materials to help consumers protect themselves after an accident.
Resources: Press Release from the NAIC
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