1. Call the police if somebody is injured, if a vehicle can’t be moved, or if the accident involved a hit-and-run driver. Your uninsured motorist coverage pays for a hit-and-run accident only if you report the accident to the police.
2. Get the other driver’s information, including name, address, telephone number, license plate number, driver’s license number, and insurance information. Give the other driver the same information about you. If the other driver refuses to give you their information, contact the police immediately.
3. Record the insurance company name and the policy number exactly as shown on the other driver’s proof-of-insurance card. Similar company names can cause confusion, so make sure you write down the correct company name.
4. Get the names, addresses, and telephone numbers of any witnesses to the accident.
5. Notify your insurance company as soon as possible. Your company probably has a 1-800 number to report claims. If not, call your agent. Some agents have authority to settle small claims. Also, give your agent or company the names and addresses of any witnesses and injured persons.
Some Things You Should Know Before Having Your Car Repaired
1. Your car is the second largest investment you’re likely to make. Preserve its value and your safety by having it repaired professionally.
2. Never drive a car that could be unsafe because of damages.
3. Some insurance companies may want you to visit their drive-in claims center before having your car repaired. You can do this, or you may leave your car at our shop, and ask that the insurance company inspect the car here.
4. There is no law requiring you to obtain more than one estimate of appraisal.
5. You have the right to go to the repair shop of your choice. Your insurance company cannot require you to go to a particular shop.
6. Differences in repair estimates are common. A lower estimate may not include all necessary work. If you are not sure why one estimate is different from another you’ve received, please ask us.
7. Choose a shop that has uni-body repair equipment and qualified technicians.
8. Ask if the shop offers a repair warranty.
9. Let us help you negotiate your claim with the insurance company.