You’ve just had a car accident, Now what?
Stay calm and read on to learn how to react to make sure that the process goes as smoothly as possible.
- If your vehicle is obstructing traffic, local police will automatically have it towed by their contracted tower. Make sure to get their name and number. Call No.1 Auto Body Center with this information.
- The choice of an auto body shop is your decision to make, not that of your insurance company. No.1 Auto Body Center will contact your insurance provider to verify coverage and quickly process the paperwork.
- If your vehicle is not subject to automatic towing by the city / township, call No.1 Auto Body Center. If accident happens during off hours, call one of our associates below for towing to our auto body shop.
- No.1 Auto Body Center will arrange a car rental if needed, or a free pick-up and delivery service. A great auto body shop takes care of your car—and you!
Uh oh, you just got into a fender bender on your way to run a quick errand. What should you do now?
What to do after a car accident? Get The Facts. Sounds easy, but many people forget to do this for one reason or another. It is important to get the names, address and phone numbers of everyone involved. Also, gather a description of the car(s) and license plate number(s), and make sure to get the insurance company and the vehicle identification number of everyone involved when you’re at the scene of the accident.
- Get out of your vehicle and provide assistance to anyone who is injured.
- Call the police or highway patrol immediately. They can then contact emergency personnel for you, if needed.
- Take photographs of your damaged vehicle and the scene. Note the date and time that the images were taken.
- Protect the accident scene by setting up flares, putting up cones or moving your vehicle off the road. Keep these items in your trunk at all times in the event of an accident.
- Once the police arrive, give them as much information as you can about what occurred. Do not admit fault; simply give the facts.
- Ask the investigating officer for a copy of the police report, as you may have to submit it with your insurance claim.
- Write down the names and addresses of all drivers and passengers involved in the accident. Also, note the license plate number, make, model and year of each car involved
- You should also note the name of the other driver’s insurance company and driver’s license numbers.
- Write down the name and contact information for all witnesses to the accident.
- Note the name and badge numbers of the police and emergency personnel who assisted with your accident.
- Write down as many details as you can remember about the accident, and then call Wells Insurance to report your claim.
- Keep all records of correspondence that you have regarding your claim, including the date, name and title of the person that you talked to about the accident.
- Keep a record of any expenses that you incurred as a result of the accident. Depending on your policy, you may be entitled to reimbursement for those expenses.
Filing the Claim
Filing a claim can be a confusing process. To help, notify your agent or insurance company about the accident as soon as possible while the details are still fresh in your mind.
When you call, have available the police report, your insurance card or declarations page, and all of the information collected at the scene.
Ask questions. Make sure you understand who’s coverage pays for which damages. If there were injuries, ask if you live in a fault or no-fault state. In a no-fault state a driver does not have to prove the crash was somebody else’s fault before being reimbursed for medical expenses up to an amount listed in the policy. In a no-fault state, Personal Injury Protection or PIP will be a listed coverage on the declarations page.
If it was a multi-car accident, the insurance companies involved may investigate the circumstances of the crash. A claims adjuster will likely want to examine the damage to the car and talk with you about the accident. Your insurance company will use the adjuster’s findings as the basis of their settlement.
If it was a minor accident and the car is still drivable, the company may offer you several auto repair shops to choose from that can also act as the adjuster for the claim.
No matter how you decide to get your car fixed, keep notes of all conversations you have with various company representatives. Also keep all written material regarding the claim.