DO

  • Stop at once and identify yourself.
  • Show your driver's license and registration to the other driver, the injured persons and to any police officer.
  • If injuries appear serious, call an ambulance. If you feel you were injured in any way see a physician promptly. It is important you seek treatment right away.
  • Write a complete description of the accident as soon as possible. Use this handy accident record to help you gather important information. If possible, take pictures, even if this means returning to the scene of the accident at a later time.
  • Notify your 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 repairs should cost, this could provide a means for settlement.
  • Have even minor damage repaired. Letting your car go unrepaired can cost you in the long run. Dents and rust spots deduct from the resale or trade-in value of your car. You will pay for it eventually, so drive a car that's in first class condition now.

DON'T

  • Do not discuss responsibility
  • Do not discuss the circumstances of the accident with anyone except the police and a positively identified representative of your insurance company
  • Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. If you are being pressured, you may wish to consult an attorney
  • Don't accept a check for the repair of your car until you're sure it covers all necessary repairs. As the owner, you are the person who is responsible for having your car repaired to your satisfaction. Choosing a quality repair shop is an important decision in assuring your satisfaction.
  • Don't be fooled by the "lowest estimate". There is a big difference in body shops. A low bid could reflect an incomplete job. When some items (such as alignment) are overlooked on a repair, the consequences to the driver can be serious. An improperly repaired car, especially one with heavy structural damage is like a time bomb waiting to go off. Exercise your right to determine which shop will repair your car. Make sure every detail has been attended to and repaired to your complete satisfaction before signing any insurance company release.
  • Don't allow your car to be towed to a repair shop you are not familiar with. Don't authorize repairs by signing a towing release unless you have decided to have your car repaired by the shop your car is being towed to. Read and understand all papers before you sign them.

DO GET THE FACTS

When did the accident happen?

Date:

Time:

Where did it happen?

Street(s):

City:

Was anyone injured?

Pedestrian?

Your Passenger?

Other?

Name:

Address:

Was there a witness?

Name:

Address:

Was there a police report taken?

Name:

Address:

Phone #:

Drivers License #:

Date of Birth:

Registered owner of vehicle:

Insurance company:

Policy Number:

The other auto?

License #:

State:

Year:

Make/Model:

Color:

Number of Passengers:

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