What To Do In Case of An Accident


According to the National Safety Council, one in every eight drivers will be involved in a motor vehicle accident this year. That may mean you! Are you prepared? Would you know what to do and what questions to ask?

Here is a list of 11 easy steps to remember, as compiled by the National Safety Council:

• Stop your vehicle if it is clear, safe and legal.
• Move the vehicle out of the traveled roadway, if it is clear, safe and legal. (In some states it is against the law to move the vehicle from the place where the accident occurred. Check the ordinance in your area.)
• Turn off the ignitions of the cars involved.
• Make a first aid check of all persons involved in the accident.
• Call the police and, if necessary, emergency medical services.
• Mark the scene of the accident with flares or retroreflective triangles.
• Gather the names* of all persons in the motor vehicles and people who witnessed the accident.
• Make a quick diagram of where the vehicle occupants were seated and indicate the vehicles' direction of travel and lane. Also note the date, time and weather conditions.
• Ask to see the other driver's license* and write down the number.
• Exchange insurance company information. DO NOT discuss "fault" or make statements about the accident to anyone but the police.
• Get a copy of the police report of the accident from the local precinct.

10 Important Things to Know
 

• Your car is the second largest investment you're likely to make. Preserve its value and your safety by having it repaired professionally.
• Never drive a car that could be unsafe because of damages.
• Some insurance companies may want you to visit their drive- in claims center before having your car repaired. You can do this, or you may leave your car at your collision repair shop and ask that the insurance company inspect the car there.
• You are not required by law to obtain more than one estimate or appraisal.
• You have the right to go to the repair shop of your choice. Your insurance company cannot require you to go to a particular shop.
• Differences in repair estimates are common. A lower estimate may not include all necessary work. If you're not sure why one estimate is different from another you've received, ask the shop manager.
• Choose a shop that has uni-body repair equipment and certified (by I-CAR or ASE, for example) Technicians.
• Ask if the shop will be using genuine manufacturer (OEM) replacement parts.
• Ask if the shop offers a repair warranty.
• Let the collision repair shop you choose help you negotiate your claim with the insurance company, this often leads to a better deal.