Car accidents happen every day, but from serious collisions to little fender-benders, they’re always stressful events.
Take this example, for instance: Let’s say you’re backing out of a mall parking spot when you hear a loud crunch. You quickly realize you’ve backed into the front of a truck who had been speeding the wrong way down the parking lot lane.
Immediately after the event, you’ll probably have numerous questions swirling around your head:
- Is the other driver at fault or am I?
- How bad is the damage?
- Will this be covered under my insurance?
- Do I need to move my car?
- How do I make a claim?
All of these are legitimate questions. In this guide, we’ll attempt to answer these inquiries and outline how best to handle a situation like this one or any other auto collision. Let’s start with what you should do right after the accident.
What Should I Do Right After an Auto Collision?
Start by ensuring everyone’s safety. If you need to, call an ambulance for any injuries sustained by yourself, your passengers, or the drivers or passengers of any other vehicles involved in the accident. At this time, call the police as well.
You’ll need to get information from the other drivers. Take a pen and notepad or your smartphone and record the other drivers’ full names, contact information, insurance information, and vehicle information (including their drivers’ license numbers and license plate numbers).
Write down anything you can remember about the accident as well. Get witness statements if anyone saw the accident take place, and don’t forget to take photographs of absolutely everything.
Finally, contact your insurance agency to begin the claims process. You’ll need to have the information you documented handy to relay to your insurance agent.
How Does the Claims Process Work?
The insurance claims process is quite simple. You’ll be working with an insurance adjuster. Depending on how bad the damage is with your vehicle, you’ll either need to have your car replaced (receive a check from the insurance agency to contribute to the replacement of your car if it’s totaled) or get repairs on your vehicle at an auto body shop.
You can choose which auto body shop to take your vehicle to for an estimate, but remember that you absolutely must have your estimate approved by your insurance agency. If you do not get your estimate approved and go ahead with the repairs, it’s likely you will not get reimbursed. Remember that some insurance agencies will also have preferred auto body shops that they work with. If this is the case, the process of getting an estimate can be much easier as estimates will be “pre-approved.”
You should speak with your insurance agent about your policy to make sure that you’re getting all of the benefits offered available to you. Remember that you may have rental car insurance, GAP coverage, or new car replacement coverage.
Ensuring a Smooth and Easy Claims Process
No one wants to get in a car accident, but these things happen — unfortunately. The only thing you can control in the event of a car collision is how smooth and easy the claims process is.
If you want fast and simple when it comes to making your claim, you must have an insurance policy that is comprehensive and has ample limits and endorsements. Mayville Insurance can help you find the insurance policy that’s right for you. Call us today or stop by one of our locations in either Mayville or West Bend, WI to learn about your options.