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.
Hi. I just wanted to give my feedback on my experiences at Holm's. I need my vehicle to be in top form, I am a single gal, and need to rely on a shop that is honest, reliable, and gives me valued information about my vehicle. I came to Holm's because I needed to build a relationship with a shop that I can trust. I am very happy to have met Reg. Over two years, Holm's has never let me down. They caught a leaking water pump - when I had already gone to another shop about a mystery leak (who told me nothing was wrong). Holm's caught it when I wasn't even there for that purpose, and my engine was saved from frying. They have done my windshield, rear window regulator, full suspension, tires, brakes (completely restored to new from a botched job at another shop). My Jeep has never run better. It feels new again (2007), which makes me happy because I love my Jeep! They are the only ones I will trust, and am very, very happy with their service. Reg and his guys are friendly, give me all the information I need, and I never have to worry about un-necessary service other shops quote me on. As a matter of fact, I have no intention of ever going anywhere else for service. One-stop shop with honesty and integrity as a policy. I feel 100% confident to recommend them.