Help! I Just Had A Car Accident!
Accidents are the main reason you got car insurance. Instead of losing your vehicle because of a moment’s inattention, it will be repaired or replaced. Instead of facing a battery of lawyers yourself, you have an experienced insurance company to handle your case. Instead of searching for an auto body shop to handle a repair, you've got 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 Mehlville, Arnold, Lemay, and Oakville, MO can leave your rates unaffected, or it could result in a surcharge that inflates your car insurance bill for a long time.
Here are answers to some of the common questions about car accidents and the types of car insurance needed to make everything right from Car Craft Oakville in Oakville, Missouri.
What should I do after an accident? What information should I exchange?
State laws vary, but in general the steps to take after an accident include the following:
Stop at once. Position your car so that you do not needlessly block or endanger other people. If you drive off from the scene, it will be considered a hit-and-run, which is a severe infraction in most states.
Check to see if anybody is hurt. Some states require that you give reasonable aid if anyone is injured, but do not do something that may cause further injuries.
Call the police for a report. Insurers like to get a police report if possible, and it’s required in lots of states. If you have a minor parking lot accident, the police may not have time to come to the scene, but you'll be able to tell your insurer that you did make the call.
Exchange info. The basic rule of thumb is to exchange the following information 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 aren't required to show your driver's license, proof of insurance, or your contact information to anybody but the police. You do not need to ask for that information from anyone 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 plenty of decisions that have to be made when you get into a car accident. To help ease your burden, you ought to pick out an auto body shop before that takes place. When you do, consider Car Craft Oakville in Oakville, MO. They have lots of experience restoring automobiles to pre-accident condition and getting their customers back on the road.