We know what to do next
If you are involved in an accident, contact your insurance company, even if you are not at fault. While there was a time when you would have to wrestle with the other driver’s insurance company to pay your bills, that process has changed.
Here’s a typical scenario – a fender-bender accident with no injuries:
- You are rear-ended while stopped at an intersection and your car is heavily damaged. The police cite the other driver. You are pretty sore from the impact and are taken from the scene to the hospital in an ambulance as a precaution. You spend a couple of hours in the emergency room getting checked out, and are released.
- You report the accident to your insurance company. Your insurance company immediately issues you a rental car.
- Your own insurance company sends an adjustor out to the tow yard to assess the vehicle damage. Its not a total loss and the vehicle can be repaired.
- You get your car into the shop (of your choice, hopefully) for repair
- Your own insurance company waives your collision deductible since the accident is not your fault.
- After a few weeks the repair is complete. You take your car home.
- Your insurance company hands the bill for all of the above to the other driver’s insurance company, who reimburses them directly (this process is known as subrogation).
Make your life easier during a difficult time by simply reporting your accident to your own insurance company and dealing with them directly.