After an auto accident or insurance claim Part 1

Before contacting an insurance company: What do I do if I’m involved in an accident or need to make an insurance claim?

Accidents are almost always unexpected and very stressful. It's important to keep as calm as possible.

Being prepared in the case of an accident is also important. Keep an emergency kit in your trunk or under a seat with a set of collapsible cones, warning triangles or even emergency flares. Make sure you also have a PEN and a card with relevant medical information for you and your family. Keep a disposable camera handy to take pictures, especially one that has a flash in case the accident is at night. Most disposable cameras are fairly durable and can survive the heat of a car, especially if stored away from direct sunlight. Replace it every two years to be sure the film is fresh.

What to do right after an auto accident:

* Stay as calm as possible.
* Call the police immediately. They will write up a police report that will have a report number which you will need.
* Check for injuries. Life and health are more important than damage to vehicles. When in doubt, call an ambulance.
* If the accident is minor and there are no serious injuries, most states will allow you to your vehicles to a safe place, rather than risk being in moving traffic. Check your states laws.
* Turn on hazard lights. If warranted, and possible, use cones, warning triangles or flares for safety. Turn car engine off so it does not risk sparking a fire.
* Make immediate notes about the accident including the specific damages to all vehicles involved. If the name on the auto registration and/or insurance policy is different from the name of the driver, establish the relationship and write it down. Get witness information, if possible, as well. Swap information with the other party. Names, phone numbers, insurance policy information, tag numbers, VIN number and make of vehicle.
* Don't sign any documents unless a police officer asks you to sign for a ticket.
* Be polite, but don't ever tell the other drivers or the police that the accident was your fault, even if you think it was. Likewise, do not accuse the other drivers of being at fault at this time. It is wise to state only the facts. Limit your discussion of the accident to the insurance agent and the police.
* If you have a camera handy, and it is safe to do so, it may be helpful to photograph the accident scene. You want to get pictures of the cars involved, the people, and especially the damage before it is taken away from the scene. Pictures of skid marks or guard rails or other objects that were part of the accident are also useful.
* If possible, do not leave the accident scene before the police officers and other drivers do.
* Finally, remember that while getting the facts is very important, investigating the accident should be left to the police officers and the insurance companies.
* Don't accept offers to settle for payment on the spot without careful consideration. You may be held liable later for the same damages.

What do I do if I am involved in an accident or have to make a claim after I contact the insurance company?

All insurance companies have different procedures and policies on reporting an accident. Check with your insurance carrier and request the proper steps.

How do I get an estimate done on my vehicle?

Once the insurance company has the information about the accident including a police report, they will set up an appointment with either a field appraiser or a Direct Repair Auto Body Shop to write the repair estimate.

If the accident or claim is not my fault, do I go through my insurance company or the other person’s insurance company?

Report the crash to your insurance company immediately or within the time specified by your policy along with a copy of any police reports or supporting documents. Then report it to the other insurance company. Typically each company will have its own way of handling a claim. The majority of the time, if it is not your fault, the other insurance company will process the claim. Just keep on top of them to insure your case is being handled promptly and to your satisfaction. That wraps up the first part of this 3 part series. I hope you found some good information to help you understand the process of getting a vehicle repaired after an insurance claim.

Jake started his automobile career working for a small town automobile repair shop in the South East. After working there for almost a decade, he decided to try his hand on the flip side of the coin and got a job as an auto appraiser for a large insurance company. Using the experience from both sides, he understands the needs of not only the consumers, but the auto body shops and the insurance companies. It’s a love triangle with many complex problems. Visit his blog for the complete series and more resources at AutoBodyFAQ.com.