In Case of An Accident...
Jan 25, 2013 11:00AM
By Darcie Dingman
The first thing to do is report the accident to the police. If there are no injuries, go ahead and begin to exchange information with the other driver. Make sure to get their personal information, along with the type of vehicle, and all insurance information. The next thing to do is to determine if your vehicle is drivable. If not, the police can call a tow truck, and you should have your vehicle towed to the shop of your choice.
After the police have finished at the accident scene, if the vehicle is drivable, you will want to call the insurance company of the driver at fault. Depending upon the insurance company, they may want you to go to their “drive thru” claim place, or they may make arrangements to come to your vehicle to do an estimate. Another option is that they may want you to take it to a body shop for an estimate. The most important thing to know now is that you are the vehicle owner and no one can tell you where to have your vehicle repaired. There is no law that requires you to have your vehicle repaired where your insurance company recommends. It is always your choice.
When determining where you have your repairs done, there are some things that you may want to take into consideration. What type of warranty does the shop offer? (Whether or not your insurance has a warranty, it is the shop that is ultimately responsible for the repairs.) Also, do the technicians at the shop receive ongoing training? Is the shop involved nationally, keeping up with all the newest procedures and technologies? The best thing to do before you are involved in an accident is to do your research and know where you will take your vehicle if the unexpected happens. Making a snap decision doesn’t always lead to the best decision.