WHEN ACCIDENTS HAPPEN
How to Respond in a Tough Situation
Being in a car accident is the last thing anyone wants - but when it does happen, there are ways of making sure that the legal and insurance issues are handled with as little stress as possible.
- First of all - stay calm.
- If someone is injured, be sure to call for medical help.
- Make sure you call the police.
- Don't publicly make any statements where you either accuse the other person of causing the accident or take all the blame yourself. It could open you up to legal problems.
- Whatever you do, don't leave the scene until you've had a chance to talk with the officer and you've gotten their name. It's important to make sure that your side of the story goes on the record. Afterward, it's a good idea to get a copy of the police report.
- Make sure you have a pre-printed copy of your insurance information in the glove compartment, along with a camera you can use to provide pictures for the insurance company. A disposable camera with a flash for nighttime or interior shooting is usually best for this.
- In dealing with the other driver, make sure you get their name, address, driver's license number and insurance information - and that they get the same information from you.
- Also, make sure to get information from any witnesses as well.
- Make sure you get pictures of any physical evidence of what could have caused the accident.
- Write down pertinent details such as where the accident took place, what the weather was like, etc.
- Once the information's exchanged, report the accident to the insurance company immediately, even if it's not your fault.
- Make sure you understand how you're covered, and don't be afraid to ask the insurance company to explain the conditions of your coverage and payments.
- Don't be afraid to seek legal advice - and don't sign anything if you don't understand it.
- When you're using a body shop to get repairs to your vehicle, be aware that the insurance company can recommend a shop, but you are under no legal obligation to use its services. You have the legal right to choose the shop to do your repairs.
- Also be aware that insurance companies sometimes try to
dictate what type of parts are used in a vehicle's repair. They might
insist that a shop not use Original Equipment Manufacturer (OEM) parts, as
they are more expensive.
You have a right to know what kind of parts are being used on your vehicle, and to know if your insurance policy dictates what kind of parts can be used in your car. If your policy lets you choose, you have the right to decide for yourself.
- An insurance company also has the right to inspect your vehicle, but it is not required to do so. In addition, they cannot require you to visit one of their own claim centers.
- And finally: Make sure you learn from this accident, but also let yourself move on from what happened. Everyone has an accident once in a while - it's just something that happens.
Remember - Drive Safely!
Want more information on your rights? To make an appointment, call us at 517-332-1391 or make an appointment online!
Exceptional! My son was in Lansing, MI on June 22, 2015 for a concert at the Loft with friends. Having auto issues so far away from home, Traverse City, MI. I was very concerned and lost trying to help my son get his car cared for and running again. I had hopped onto the maps of Lansing, MI and verified where my son was with his broken down car, and noticed Ryan's Car and Auto Care on the map close to my son's location. So I called Ryan's Auto service station and explained the situation, Ryan was very helpful referring me to 2 other service stations who may be able to help me in this situation. This first place I called was able to refer me to their towing service and get my son's car in, and serviced within the day,and the charges $$$ were very acceptable, considering the distance from Traverse City, MI and Lansing, Michigan. THANK YOU SO MUCH Ryan for your awesome help with this issue.
Ryans took care of my 2004 dodge stratus SXT coupe named Emma Frost at a very reasonable price and I always got her back quickly. I just had my newer (2000 jeep grand Cherokee named Crimson Dynamo) checked out there too and again, quick and reasonably priced. These dudes do some good work and deserved the praise they receive.
I've been blown away by how great the service is at Ryan's. Everyone has always been super accommodating to how car-illiterate I am, and unlike so many other shops, never take advantage of this. The online car evaluation that they provide you is a huge perk as well