Auto Accident Insurance Tips for Consumers

• Remain calm. Check for injuries. If possible, move vehicles away from traffic.
• Call 911 so there will be a police report of the accident.
• Exchange information with the other driver. Get name and contact information, license plate number, insurance company name and policy number.
• Get contact information and statements from any witnesses at the scene.
  Take photos or video of the accident scene, including all damage to cars involved in the crash.
• Notify your agent or insurance company about the accident as soon as possible. Do this even if you are not at fault. Also notify the other driver’s insurer that you have been involved in a crash with one of its policyholders.
• If you have collision or comprehensive coverage on your auto policy, it may be more convenient and faster to file the claim with your own insurer even if the accident was not your fault. Your insurance company should work with the other driver’s insurer to determine liability and, through subrogation, obtain reimbursement for the claim, including your deductible.
• Choose an independent collision center, one that is NOT contracted by an insurance carrier that will work on your side to protect your financial interests and possibly your second largest asset next to your home. While the insurer can recommend a repair shop, YOU HAVE THE RIGHT TO CHOOSE WHERE YOU WANT YOUR VEHICLE REPAIRED!

Just a few of the reasons to choose an independent shop:

• Boutique style personal claims attention.
• OEM factory parts utilized during repairs.
• No labor deductions causing improper repairs.
• Follow manufacturer recommended repair procedures/ your safety is always first!
• Diminished Value claim if you were not at fault.
• Lifetime warranty for as long as you own your vehicle.