Being involved in a car accident can be quite shocking, since no one ever plans to be in a collision. If your car is damaged in a car accident that is not your fault, you will need to take the proper steps to get your vehicle repaired. When you're not at fault, the other driver's insurance company will be responsible for paying for the repairs. Knowing what to do and how to communicate with the insurance company will help ensure that your vehicle is repaired promptly. Take the following steps to have your car repaired after an accident that you did not cause:
Remove Your Car from the Accident Scene
If your car has sustained minor damage, such as a damaged fender from being rear-ended, you can drive the car to your home and then file a claim with the other driver's insurance company. In the event that your vehicle is not driveable, you will need to make arrangements to have a tow truck remove your car. If you already have an auto repair shop that you use regularly, you can have your car towed there. Do not try to drive a car that has sustained major damage, as doing so can be dangerous. You may have to pay for towing out of pocket, but you will be reimbursed.
File an Insurance Claim
When the police arrive at the scene of an accident, they will collect insurance information from each driver. Thus, you will receive the other driver's insurance information before you leave the scene. It is in your best interest to file a claim with the other driver's insurance company as quickly as possible in order to ensure that your vehicle is repaired in a timely manner. The other driver's insurance company will send out an insurance adjuster to assess the damage and make arrangements for repairs. The insurance company will be responsible for paying for all damage caused by the collision.
Rent a Car
If an accident is not your fault, the other driver's insurance company will be responsible for paying for a rental car for your to drive while your car is being repaired. The insurance company will let you know what car rental companies they work with and will tell you what location to go to. When renting a car to drive while your car is being repaired, it is important to note that you should be given a vehicle that is in the same class as your own car. So, if you normally drive an SUV, don't accept a compact car rental.
Contact a local automotive repair shop for further assistance.