After being in an auto accident, there are a lot of questions you need answered or help to move forward. Once you have made sure that you and your family are safe, you then need to handle the property damage with your car. If you’re not sure how to move forward, we have some tips on how to begin.
Step 1: Assess the Damage of Vehicle Location.
- Vehicle Location: If your vehicle is in a tow yard, arrange to have it moved to a safe location as soon as possible. This way you avoid additional storage fees.
- Assess Damage: Determine if the vehicle is a total loss or repairable. If repairable, assess the extent of the damage.
- Insurance Coverage: Check your insurance policy to determine if you have collision coverage and what your deductible is.
Step 2: Decide Whether to Use Your Insurance or the Other Party’s Insurance
- Factors to Consider
- Deductible: If your deductible is high, using the other party’s insurance might be more cost-effective.
- Rental Car: If you need a rental car and don’t have rental car coverage through your insurance, look int the other party’s liability insurance s an option.
- Speed of Claim: Using your own insurance can often speed up the claim’s process.
Step 3: Contract Your Insurance Company or the Other Party’s Insurance
- Open a Claim: Call your insurance company or the other party’s insurance company to report the accident. Then open a property damage claim.
- Request a Rental Car: If you need a rental car, inquire about the availability of rental car coverage through your insurance or the other party’s insurance.
Additional Important Steps:
- Gather Evidence: Take photos of the damaged vehicle from all angles.
- Obtain a Police Report: If a police report was filed, obtain a copy.
- Cooperate with the Insurance Adjuster: Provide any requested information or documentation.
- Negotiate Settlement: If you are not satisfied with the initial settlement offer, negotiate with the insurance adjuster.
- Consult with an Attorney: If you’re having trouble resolving the claim or if the damages are significant, consider consulting with your attorney.
Taking care of your property damage does not have to be painful, and you can get it done easier if you follow these steps. Here’s a link for more information on what to do after car accidents.
The teams at Flickinger Boulton Robson Weeks are experienced and able to help throughout all the phases after your accident. If you have any questions or need assistance, call our office at (801)-500-4000 for a free consultation about your case.
