Accidents Happen

22 12 2010

Dale BertramAfter the Crash

70% of traffic accidents do not involve injuries. It doesn’t seem to matter though, whether you have a fender bender or total your vehicle; accidents cause a lot of stress.  It always a good idea to keep a check list in your glove box just in case of an accident so you can more calmly assess the situation and act in a rational manner.  Here are some things to keep in mind. 

  • Call 911 if someone is injured or call the police if not.
  • If possible and there isn’t a lot of damage to the vehicles move them a safe distance from traffic.
  • Exchange information
  • When the police arrive they will fill out an official accident report for you.
  • Report the accident to your insurance company as soon as possible.

Questions to Ask Your Insurance Agent

  • Do I have rental car coverage?
  • Do I have comprehensive coverage (covers theft, fire, vandalism, glass replacement and deer claims)?
  • How much is my deductible?
  • If I have an accident, what kinds of parts will be used to repair my vehicle (new original manufactured parts or new aftermarket parts or reconditioned parts)?
  • What does full coverage mean (you have collision but not necessarily rental, comprehensive or new original manufactured parts coverage)?

Questions to Ask Your Body Shop

  • Can I get a written estimate and an explanation of planned repairs?
  • Will I receive a written guarantee from your shop?
  • When is my deductible due?
  • Will my vehicle be available for the insurance adjuster’s inspection?
  • What is the estimated completion date of my repairs?
  • Will I owe more than the insurance estimate?

Hopefully you won’t be in an accident any time soon but just in case, these are points to ponder and remember.

Safe Motoring!




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