Help! I Just Had A Car Accident!
Accidents are the main reason you got car insurance. Instead of losing your automobile because of a moment’s inattention, it'll be repaired or replaced. Rather than facing a battery of lawyers yourself, you have an experienced insurance company to represent you. Instead of trying to find an auto body shop to handle a repair, you have experts in collision damage supervising the process.
You might move quickly from gratitude to worry when you realize there is a price to be paid. An auto accident in West County, Wildwood, Ellisville, Ballwin, and Chesterfield, MO can leave your rates untouched, or it could lead to a surcharge that inflates your car insurance bill for years to come.
Here are answers to some of the most common questions about car accidents and the kinds of car insurance needed to make everything right from Car Craft Chesterfield in Chesterfield, MO.
What should I do after an accident? What information should I exchange?
State laws vary, but in general the steps to take following an accident include the following:
Stop at once. Position your vehicle so that you do not needlessly block or endanger other people. If you drive off from the scene, it's going to be considered a hit-and-run, which is a severe infraction in many states.
Find out if anybody is hurt. Some states require that you give reasonable aid if anyone is injured, but don’t do anything that could cause further injuries.
Call the authorities for a report. Insurers like to have a police report if possible, and it’s required in lots of states. If you have a minor parking lot accident, the authorities may not have time to come to the scene, but you will be able to tell your insurer that you did make the call.
Exchange information. The basic rule of thumb is to switch the following info with the other driver:
- Name of the owner if not the same as the driver
- Names of any passengers
- Vehicle’s make, model, and license plate number
- Insurance information – company name, policy number, and phone number to call for claims
You are not required to show your driver's license, proof of insurance, or your contact information to anyone but the police. You don't need to inquire about that information from anybody else.
We’d also suggest that you:
Locate witnesses. Make sure that you acquire their names and phone numbers. Tell them that they should stay to give the police statements. Insurance companies show favorability to independent witnesses because usually give unbiased descriptions on how the accident happened.
Take lots of photographs. Make sure that you get pictures of the damage to both vehicles and the entire scene of the accident. You can use your cell phone if it takes photos with good quality. Otherwise, have a digital camera close by. When it comes to insurance claims, a picture really can be worth a thousand words.
Ask the DMV to figure out what you have to do when you have an accident. You have to submit an accident report if there was property damage and/or personal injury costing a certain amount in certain states.
There are a lot of decisions that have to be made when you get into a car accident. To ease your burden, you ought to pick out an auto body shop before that takes place. When you do, give consideration to Car Craft Chesterfield in Chesterfield, MO. They've got lots of experience restoring vehicles to pre-accident condition and getting their customers back on the road.