Most drivers feel shaky even after a minor collision. Knowing how to handle the problems that you may encounter can save headaches - from the scene of the accident all the way to the body shop.
Most common mistakes drivers make
The number one error drivers make, after being in an accident, is not obtaining enough information from the other party, before leaving the accident site. Below is a list of information one needs to exchange after an accident.
Driver's name, address, phone number & Driver's license number
Name of insurance company & Insurance policy number
Vehicle make, model, year & Vehicle identification number
License number and province of issuance
Vehicle owner's name, address, and phone number if different from the driver
For additional help, The Brimell Group Paint &
Collision Centre offers an "In Case of an Accident" guide FREE. If you don’t have one please drop by to obtain one. Click here to see the online version. We suggest keeping it in your glove box, along with a pen.
What to remember after an accident
If possible, move the vehicles out of the lane of traffic to prevent another crash.
When someone is injured, do not move them. If you have a cellular phone, call for medical help.
Unless it is obvious you were at fault, do not admit blame. Ask for witnesses' names, addresses, and phone numbers. And as soon as you arrive home, write down everything you can remember leading up to, during, and after the crash.
If you hit an uninsured driver, still obtain as much information as you can. It will be helpful to you when speaking with your insurance agency.
When to call police
You are required to call the police if one or more parties are injured, if a vehicle or vehicles has to be towed, or if the damage is more than $1000.00 on your vehicles collectively. However, it is recommend that you always call the police, as a police report can verify what actually happened. Without a police report, the other parties involved could change their stories.
Risks of not reporting your accident
The other driver may ask you not to report the accident and offer to pay for your damages. If the damage looks like it is under $500, you might consider accepting the other driver's offer, but doing so is risky. You have no assurance that the person will actually send you a cheque to cover your damages. Usually, the reason people don't want an accident reported is higher insurance rates. So, go ahead and take your car to the accident reporting centre and file a police report, it’s the law. It is important for your protection.
Calling your insurance company
After you have been to the accident centre, you should notify your insurance company. A question to ask your insurance agent, May I select the body shop I want to repair my vehicle? If no, why not?
As the owner of a motor vehicle which has been damaged in an accident, you have the right to choose the shop where your vehicle is repaired. This is the law.