case of an accident we want you to be well informed and prepared.
- Stop your vehicle immediately. Write down the license number of the other
- Show your driver's license and registration to the other driver and the
- If anyone is seriously injured call an ambulance. You should see a doctor if
you feel injured in any way.
- Report the accident to the Department of Motor Vehicles as soon as possible.
- Write a complete description of the accident as soon as possible. Doing this
immediately will help keep the accident details fresh in your mind. Click here
for an accident record to help you gather important information.
- Notify the insurance company even if the claim appears small and there are
no apparent injuries. Settling the claim yourself is dangerous. Follow all
prescribed procedures when reporting an accident to your insurance company.
- Be aware of the "Appraisal Clause" in your insurance policy. If the
insurance company and the body shop cannot agree on what the repairs should
cost, this could provide means for fair settlement.
- Have even minor damage repaired. Letting your car go without repair can cost
you in the long run. Dents and rust spots deduct from the value of your car. You
will pay for it eventually, so drive a car that is in first class condition now.
- Never discuss accident details or responsibility with anyone. Don't discuss
accident circumstances with anyone except the police and your insurance
- Never agree to a phone recording or give a signed statement to the claims
adjuster representing the other driver's insurance company. If you feel you're
being pressured, you may wish to consult an attorney.
- Never accept a check for the repair of your car until you're sure it covers
all necessary repairs. You are the person who is responsible for having your car
repaired to your satisfaction. Choosing a quality repair shop is important; you
should not be rushed into a decision.
- Please don't be fooled by a lower estimate. A lower bid could reflect an
incomplete job. When items are overlooked on a repair the consequences to the
driver can be serious. Exercise your right to determine which shop repairs your
car. Make sure every detail has been attended to and repaired to your
satisfaction before signing an insurance company release.
- Never allow your car to be towed to an unfamiliar repair shop. Don't
authorize repairs by signing a towing release unless you decide to have the
repairs made by the shop your car is being towed to. Make sure you read and
understand all papers before you sign them.