Accidents Happen. Now what?

 Accidents happen, that's a fact. What happens next is important in making sure you are protected.

 Naturally, if there are serious injuries, address those needs immediately. Call 911. Lives are way more important than property. The appropriate first responders will be dispatch including police, fire, ambulances, paramedics, and/or tow trucks. Let's hope you never face a situation so serious.

 Many accidents leave the vehicle driving fine, but sporting a new black eye from the impact - not too pretty, but functional. When those incidents involve another vehicle, taking a few first critical steps can protect your pocket book and your investment. Perhaps you'll find the following tidbits of information helpful:

• Always call the police, no matter how minor the incident. A police report protects both parties from one or the other filing a false damage claim. In addition, the responsible insurance company may need this official documentation to process the claim. The report also documents the time of the incident, which can be important depending on what caused the accident.

• Take photos at the scene. These days, most cell phones have good camera features. Using it as a tool to document the incident is important. Take lots of photos - everything from the damage to all vehicles involved,  overall impact angles, intersections, vehicle positions, etc.

• Exchanging insurance information at the scene is fine, but not necessary with a police report. The officer dispatched to the scene should document the necessary information from all other drivers involved.

• Be your own advocate. Contact your insurance as soon as possible to report the incident. Opening the claim does not mean your insurance has to pay the claim even if you are at fault. You maintain the option of paying out of pocket if that is your desire.

• Never drive a vehicle that could be unsafe because of damages. If it's questionable, just don't. A tow bill is a small price to pay for safety - and may be paid by the insurance company or roadside assistance, depending on your policy.

• Protect your investment and your safety by having your vehicle repaired professionally.

• Know your rights. As a vehicle owner, you have the right for your vehicle to be repaired by the body shop of your choice. It is illegal and unethical for an insurance representative to require or sway you to choose a body shop from their "approved" or "preferred" list of shops. If you are unsure the best shop to choose, ask around. Locals know. Halter's Body Shopis pleased to have a solid reputation for providing excellent quality and exceptional craftsmanship.  We also provide a written warranty on the work we perform and will stand behind our work for as long as you own your vehicle, baring any dings and scratches or wear and tear from use, of course. 

• Don't panic if there is a difference between insurance estimates and those written by the repair shop. A lower estimate may not include all necessary work. It is very common, and generally easily addressed with the insurance company at the time of repair. If you don't know why an estimate is different, please ask.

 Accidents happen no matter how many precautions we take, or how safe we drive. Knowing what to do can mean all the difference in making the claims process as painless as possible in an unpleasant situation.