How to Respond in a Tough Situation
Being in a car accident is the last thing anyone wants - but when it does happen, there are ways of making sure that the legal and insurance issues are handled with as little stress as possible.
- First of all - stay calm.
- If someone is injured, be sure to call for medical help.
- Make sure you call the police.
- Don't publicly make any statements where you either accuse the other person of causing the accident or take all the blame yourself. It could open you up to legal problems.
- Whatever you do, don't leave the scene until you've had a chance to talk with the officer and you've gotten their name. It's important to make sure that your side of the story goes on the record. Afterward, it's a good idea to get a copy of the police report.
- Make sure you have a pre-printed copy of your insurance information in the glove compartment, along with a camera you can use to provide pictures for the insurance company. A disposable camera with a flash for nighttime or interior shooting is usually best for this.
- In dealing with the other driver, make sure you get their name, address, driver's license number and insurance information - and that they get the same information from you.
- Also, make sure to get information from any witnesses as well.
- Make sure you get pictures of any physical evidence of what could have caused the accident.
- Write down pertinent details such as where the accident took place, what the weather was like, etc.
- Once the information's exchanged, report the accident to the insurance company immediately, even if it's not your fault.
- Make sure you understand how you're covered, and don't be afraid to ask the insurance company to explain the conditions of your coverage and payments.
- Don't be afraid to seek legal advice - and don't sign anything if you don't understand it.
- When you're using a body shop to get repairs to your vehicle, be aware that the insurance company can recommend a shop, but you are under no legal obligation to use its services. You have the legal right to choose the shop to do your repairs.
- Also be aware that insurance companies sometimes try to
dictate what type of parts are used in a vehicle's repair. They might
insist that a shop not use Original Equipment Manufacturer (OEM) parts, as
they are more expensive.
You have a right to know what kind of parts are being used on your vehicle, and to know if your insurance policy dictates what kind of parts can be used in your car. If your policy lets you choose, you have the right to decide for yourself.
- An insurance company also has the right to inspect your vehicle, but it is not required to do so. In addition, they cannot require you to visit one of their own claim centers.
- And finally: Make sure you learn from this accident, but also let yourself move on from what happened. Everyone has an accident once in a while - it's just something that happens.
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Henry is the most honest and hardworking mechanic that I've ever met...After the first visit, I knew I had found my mechanic...He goes above and beyond to run tests to ensure that he fixes your car the right way the first time. He even went to bat for me with the parts manufacturer to have a faulty part covered under a warranty that had expired. I probably couldn't tell you how much time and money he has saved me. He was even nice enough to call my dad to explain the repairs as I'm not well-versed in car mechanics. Henry comes with my highest recommendation if you're looking for a skilled, friendly, and honest mechanic in the Orlando area.
This may not sound like a big deal but they did exactly what they said they would do. Gave me an estimate. It was accurate. Gave me a time they would contact me regarding the work being complete. They had it done right when they said they would. The job they were to do was done exactly as specified. No surprises. Just honest work.