Having an accident can be very stressful. Here are a few simple do’s and don’ts if you were to be involved in a crash.

DO:

* Stop your vehicle immediately. Write down the license plate number of the other vehicle.

* Show your driver’s license, registration, and proof of insurance to the other driver and to any police officer, and record the other diver’s information.

* If anyone is seriously injured, call an ambulance. You should see a doctor if you feel you were injured in any way.

* Report the accident to the Department of Motor Vehicles right away.

* Write a complete description of the accident as soon as possible. Doing this will help keep the details fresh in your mind.

* Notify your insurance company, even if the claim appears small and there are no apparent injuries. Settling the claim yourself is dangerous.

* 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 a means for fair settlement.

* Have even minor damage repaired. Letting your car go unrepaired can cost you money in the long run. Dents and rust spots deduct from the resale or trade-in value of your car.

DON'T:

* Never discuss accident details or responsibility with anyone.

* Never discuss circumstances of the accident with anyone except the police and a representative of your insurance company.

* Never agree to a phone recording or give a signed statement to the claims adjuster representing the other driver’s insurance company.

* Never accept and cash 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.

* Please don’t be fooled by a lower estimate. There is a big difference in body shops, and a low bid could reflect an incomplete job, or inferior parts.

* Never 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 you car repaired by the shop your car is being towed to. Always request your car be towed directly to the shop you wish to repair your car.

 

What if my car is a Total Loss?

* Most Insurance companies consider a car total loss when the repair cost meets or exceeds 75% of the cars retail value.

* If you disagree with the value assigned to your totaled vehicle, provide quotes from local dealers, advertisements, internet, etc. and proof that your vehicle was well-maintained. If you are still unsatisfied? Your options are mediation, arbitration and, finally, a lawsuit.

* Most states require insurance companies to pay the sales tax on a replacement vehicle, based on the settlement value of your totaled car. Request it, as well as registration and title fees, wherever you live.