In the event of an accident or damages to your automobile

     When an accident happens

• Make sure everyone is safe and stay at the site of the accident.

• If you can still drive your car, park your vehicle at the side of the road. If you are on a highway, do not get out of your car as long as it is not dangerous to remain inside.

If there are injuries

• Call for emergency assistance as quickly as possible. You can also call 911 if you feel it is necessary.

If there are no injuries

If another car is involved

• Go see the other driver to exchange information and write down as many details as possible.

• You can fill out a joint report. If you don't have one in your glove compartment, write down your contact information. The following information should be included: your name, your address, your phone number, your registration certificate number and proof of insurance.

• If your car is no longer drivable, you need to call a tow truck. You have the right to choose the place where your vehicle will be towed. If it is still drivable, drive it to a garage.

• Call your broker to advise him of your loss and discuss next steps. If he is not available, you can call us directly.

• Let us help you at this difficult time and feel free to ask your broker and/or Optimum staff as many questions as you want.

                        If no other car is involved

• If your car is no longer drivable, you need to call a tow truck. You have the right to choose the place where your vehicle will be towed. If it is still drivable, drive it to a garage.

• Call your broker to advise him of your loss and discuss next steps. If he is not available, you can call us directly.

• Let us help you at this difficult time and feel free to ask your broker and/or Optimum staff as many questions as you want.

• If you are sure your car has been stolen, and not towed for example, you must call the police as soon as possible. The faster you call them, the more chance they have to find your vehicle.

• Give as may details as possible to the police officers so that they can fill out their report.

• Take note of the report number.

• Call your broker to advise him of your loss and discuss next steps. If he is not available, you can call us directly.

• Let us help you at this difficult time and feel free to ask your broker and/or Optimum staff as many questions as you want.

• Call the police so that they can file a report.

• Take pictures of the damage to your car.

• Take note of the report number filed by the police officers.

• Call your broker to advise him of your loss and discuss next steps. If he is not available, you can call us directly.

• Take pictures of the damage caused by the weather on your vehicle.

• Call your broker to advise him of your loss and discuss next steps. If he is not available, you can call us directly.