Automotive Guruz

Almost every driver gets into some sort of car accident at some point. It’s important to know the procedures for getting the other driver your information so they know how to contact you afterwards. If you simply drive away from an accident, even if it is small, it is known as a hit and run. You might even hit a car while no one is in it, but it is still important to leave your information so they can contact you. Of course, if the accident was severe your first goal is to get someone to contact 911.

Most people forget the first step, which is to not admit mistake. Even though you know that the car accident was caused sue to your mistake, it is suggested that you don?t confess it to the other driver. Because if later, it is proved to be the other party?s mistake, you?d still be compelled to bear the expenses because you initially owned up the mistake. You must stay cool and tactfully manage the state of affairs so that everyone gets back to their work.

Immediately exchange your insurance information with the car?s driver. Make certain that you provide all details like phone numbers, names, and addresses so that both parties can contact each other. This is the reason why it is essential to always carry your insurance proof in the car. In case you carry them with you, then you might have to give it to the other party afterwards.

If everyone is willing to wait you can call your claims representative to come and access the damage. Sometimes this isn?t possible, but you should call them as soon as you have a chance. Your claims representative will take pictures if you are still around, fill out your claims form, talk to all of the parties involved with the crash, and even talk to some of the people who saw the accident.

You must also remember to take some shots of the damage and the nearby area before the vehicles are moved aside. This is quite convenient these days with most people having camera mobile phones. So, take good pictures that clearly tell the damage done to both party cars, and also take other pictures that may help in reporting the accident.

After you have made a call to your claims representative, clicked pictures, and taken each other?s contact information, you may usually leave the spot. In most cases, a police officer arrives by this time to assist in clearing up the mess and getting your vehicles removed from spot by tow trucks. Sometimes when the crash is not so serious, tow trucks may not be required at all. Also it may take weeks or months to get your insurance money, so you may have to bear the initial repair charges yourself.

The check you get is settled on by the lowest quote for repair provided to the insurer. You may get the blue book price for your car, if your vehicle is totaled up. The blue book value is actually a set of prices that is determined by taking into account several factors like the age, model, and condition of the car. Any modifications made by you in the car will not be reimbursed for by the insurance companies.