Car accidents happen everywhere – 20% occur in parking lots, and another 22% of accidents involve vehicles that are taking LEFT turns. When driving, always follow the speed limit without exception and wear your seat belt. If you’ve been in an accident, read these important FAQs to better understand the process and what to prepare for.
To whom do I report my accident?
Your insurance agent will collect the information regarding the accident and set up a claim file for you. The agent will provide you with a claim number to reference your file and inform you of how much the deductible is. Once your claim is authorized, the insurance company will work directly with an auto service center.
Your insurance company has an app. Be prepared that in most cases today you will be required to download the app and follow the digital instructions.
Do I need to obtain more than one estimate?
No. If insured, you are responsible for the deductible. The most important thing for your safety is to get your vehicle repaired in advance of driving it on the road.
What is the length of time my vehicle will be in the shop?
This is important for you to get a time estimate from the auto service shop. Parts need to be ordered and coordinated with your repair shop. Many parts are no longer held in inventory, meaning they can take a week or two to come in. Be prepared for possible delays. If you have a rental car deductible with your insurance policy, you will have a daily allowance to help offset or cover this expense.
Why is it so costly even for “minor repairs”?
It’s important for car owners to know that with newer vehicles, there really is no such thing as a “minor repair” anymore. The reason for this is straightforward – vehicles today are sophisticated computers. The safety technology of sensors and cameras that detect early warning signs for drivers frequently get misaligned in an accident. And so, replacing these extraordinary features comes at a cost.
Your service repair technician will input your VIN to ensure the car is recalibrated or working properly to meet the original safety specifications. For example, when a rear or front bumper needs to be replaced, here is the general process of what happens: the part is ordered, the new bumper is installed and painted, the sensors, or cameras, are recalibrated. With all the driver assistance features in your vehicle, it is imperative that these parts be recalibrated by an expert mechanic who has and uses the latest training and equipment.
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