It’s the worst that’s happened… you’ve landed up in an car accident that’s going to cost you a lot, not to mention the grievance of injury, or damage to your favourite car.
Though you may be literally out of your senses at this time, you still need to take stock of the situation. Here’s a look at what you can do when your car gets into an accident:
- Get details from the driver of the other vehicle. You need to find out the driver’s name, address, and insurance coverage details. It helps you when you file for claims.
- Don’t delay in reporting the accident to your insurance company. You may think, well this is a minor accident, why should I report the accident. If I do report, won’t my insurance premium raise? None of these ideas really work. You won’t be charged higher insurance rates, if the accident was not your fault, state laws ensure this. Look at it this way. You are living in a no-fault state, and the other driver’s coverage is now paying for his medical coverage, which means you don’t have to pay for anything even though the accident was your fault. However, the insurance company will get in touch with you and this means your insurance company is going to know about the accident.
- When the police arrive, make sure to find out they have your version of the accident and get the name of the police officer who is looking into this.
- Once the insurance company has decided to pay you for losses, you need to look into the repair process. Don’t accept repair jobs that don’t seem satisfactory to you. For example if the repairing shop is going to use generic replacement parts instead of using original manufacturer’s parts, you need not accept this. You can ask a known mechanic to look into your car and inform you on what really needs to be fixed. It helps you to know what is going on as well.
- If you have any doubts or questions, be sure to clarify them with either your insurance agent or insurance company. If you are not satisfied with these, call your state insurance department.