What to Do After a Car Accident
In a perfect world, accidents never happen. But we don’t live in a perfect world, and accidents can happen at any time. It’s wise to be prepared for these situations and know exactly what to do following an accident, whether it is a minor fender bender, or something more serious.
Start by getting your vehicle to a safe space off the road and turning on your hazard lights. Make sure that everyone is safe, and if necessary, call for medical assistance. You also need to call the police.
In addition to getting the police officer’s name and badge number, you also want to get the other drivers’ and passengers’ names, contact information, insurance information, license numbers, and license plate numbers. Also, take pictures of the accident for your records.
Finally, call your insurance agency and tell them what happened. Explain that you’d like to begin the process of filing an insurance claim. In the meantime, if you can’t drive your car, ask them about arranging for a rental.
Your Guide to Settling Auto Insurance Claims
Repairs Vs. Replacement
Sometimes, it can be difficult to tell whether or not your vehicle needs to be repaired or replaced. This is something you may have some idea about, but you’ll need to get an estimate on repairs by a reliable mechanic before you can know for sure.
Many insurance agencies have auto body shops who they work with exclusively. Get repair estimates here, and they’ll essentially be preapproved. On the other hand, if you choose your own auto body shop, you’ll need to bring the estimate to your insurance company to make sure it will be approved.
Cars that are considered “totaled” should be replaced instead of repaired. Generally speaking, “totaled cars” are those whose repairs would cost more than 70% of the car’s worth. But this percentage may vary depending on your insurance agency’s particular policies.
“New Car Replacement Coverage”
If it was a brand-new car that was damaged in the accident, speak to your insurance agent about possible “new car replacement coverage” you may have. This coverage takes care of the price of a new replacement car if your car was less than one year old and had less than 15,000 miles on it.
With a Reputable Insurance Agency, You’re All Set
If you work with a reputable insurance company like Gary Ellis Insurance in Janesville, WI, dealing with an auto collision like the one we proposed above won’t be an issue. Claims can be filed quickly and efficiently, and you’ll have your car repaired or replaced as soon as possible. To go over your current auto insurance policy and make sure it’s sound, contact Gary Ellis Insurance today.