If you should ever be unfortunate enough to be in an auto accident, do not drive away from it, even if it is a minor fender bender. Wait for a police officer, who can get the information necessary to write up a report. � Always exchange information with the other driver. Also get the
names and telephone numbers of as many witnesses as you can. If the
driver of the other car refuses to provide you with their driver's
license and auto insurance information, take down the license plate
number of the car they are driving and call the police at once.
� Report the accident to your insurance company immediately, even if
you don't plan to file a claim. If you believe the other driver was
at fault, contact his or her insurance company as well. Update your
information!
� If there's a dispute about who's at fault, file the claim with your
own insurance company. The two companies will negotiate over
liability and pay.
� If your vehicle is going to require repairs, ask for a rental car
or reimbursement for a rental car. Insist upon a vehicle that is
similar to your vehicle. This could be problematic, however, if your
policy doesn't cover rental cars.
� Be certain vehicle repairs are complete and your vehicle is
operating properly before releasing the body shop or insurer of final
responsibility.
� Insist on a lifetime guarantee on repairs if you agree to take your
vehicle to an insurer's preferred body shop or mechanic.
� Consider having at least one or two other body shops or collision
repair specialists evaluate the work done on your vehicle to ensure
it was done correctly.
� If your vehicle is destroyed in an accident, don't accept your
insurance company's first settlement offer. Check
edmunds.com or
look at a used-car price guide like Blue Book to see what your car is
worth, then negotiate.
� If you have a 5-year lease or loan and owe more than the car is
worth, ask for a "substitution of vehicle," in which the loan or
lease remains in force and the insurer finds you a similar vehicle as
a replacement.