Plan ahead and consider what to do if you're in an accident

Here’s some reminders to keep in mind if you’re involved in a motor vehicle accident. After taking care of any injuries first, report the accident to police regardless of the circumstances and find out how to get a copy of the police report. Write down the names, addresses, phone number of the other drivers involved, as well as those of any passengers or witnesses. Always write down the make, model and license plate numbers of the other vehicles. Ask to see the other driver’s insurance card to get the name of his or her insurance company and the policy number. If possible, photograph the accident scene. Notify your insurance agent or company as soon as possible, even if you believe you are not at fault. Getting your vehicle repaired Policyholders have the right to choose where they want to have their vehicles repaired after a collision. The insurer may ask policyholders whether they want the insurance company to recommend a collision repair shop, but cannot require policyholders to use that shop. If there is a total loss You may choose to declare the car a total loss if the repair cost is greater than the car’s value. The insurance company is required to pay you the value of the vehicle at the moment before the crash. Insurers may determine value in several ways, but policyholders should always independently research auto values before agreeing to a settlement. If you don’t agree with the insurance company’s offer, you should try to negotiate a settlement with the company.