Driving without full attention on the road has become increasingly problematic on US roadways. Policyholders can proactively increase safety and reduce insurance costs as the government, insurers, and technology companies confront this growing threat. The first step is understanding the issue.

No one wants to get into a car crash. But being prepared and knowing what to do if you are involved in an accident can save lives, reduce injuries and make the claims process simpler and easier.

After an automobile accident, you want to make sure that you are adequately paid for the repair or for the value of your totaled car. Here's how.

Your driving record is taken into account when you get your auto policy—the more driving risk you've demonstrated in the past, the more you might have to pay for your auto insurance premiums. So it makes sense that your insurer might re-evaluate your rates after claims or other driving incidents (such as moving violations) that are primarily your fault.

Accidents and auto insurance premiums

When it comes to evaluating your driving record for the purposes of reassessing your insurance rates, practices vary from company to company.

1. Call your insurance professional as soon as possible — even from the scene of the accident—regardless of who is at fault. Even if the accident appears minor, it’s important to let your insurance company know about the incident and to find out whether your auto insurance policy covers you for the particular loss.