Have You Been In A Minor Accident?
Sometimes it happens. You are sitting at a stoplight and someone bumps into you or you are at four-way stop and someone goes out of turn and hits your car. Perhaps you are ready to turn left and someone decides to make an illegal U-turn and hits you. You have damage to your car, but not much. Just a minor ding. What do you do? We did some research at
dmv.org and here is a post-accident check-list that will come in handy.
Bling Your Ding
OK - so Blinging Your Ding is not on the DMV.org checklist - but we think it should be. Your car should look good while it's waiting to be repaired don't you agree? Add some pizzazz and personality to what would otherwise be an eyesore! You have your choice of our
band-aids, bling words, blings and things, and daisies.
- Stay Safe. Be aware of your surroundings, stay in your car if there is a risk of injury.
- Where is your car? If your car is creating a safety hazard or obstructing traffic move to a safe location, but do not leave the scene of the accident.
- Determine if there are any injuries.
- Call 911 ASAP to report the accident and get help if needed.
- Call your insurance company and follow any instructions your insurance agent may give you.
Gather Information About the Auto Accident
- Be polite, but do NOT admit fault.
- Take the names of the parties involved and car insurance information of drivers involved in the accident. Only ask for contact information if the other drivers if they do not provide insurance information.
- Get names and contact information for any witnesses to the accident.
- Protect your identity and only provide the following information:
- Your name
- Your vehicle's make, model, year, color and VIN
- Your insurance company, agent's name and policy number.
- Do NOT allow your license and registration to be photographed.
- Do NOT provide your address or contact information to other drivers, passengers or witnesses.
Document the Auto Accident
Take photos to document the scene if you have a smart phone or camera if possible. Take pictures of the following:
- License plates of vehicles involved.
- Damage to your car.
- Damage to other cars.
- Damage to property other than cars involved.
- Items at the scene such as debris, skid marks, etc...
- Street signs or other landmarks identifying the location.
- Any other factors to the accident such as obscured traffic signs.
If you fill out an accident form, be as detailed as possible at the scene. Write down things such as:
- Time and date.
- Description of the accident.
- Weather and traffic conditions.
- Description of injuries and damage.
- Details of police or emergency involvement.
- Get a copy of any reports filed by the police or other drivers. This will help you assist in settling your claim.
- Follow instructions from your auto insurance agent.
We hope this information was helpful and we hope you will share this site with your friends and family so they can "Bling their Dings" too!
- Always write down names of any investigators, police officers, insurance claims adjusters, etc... including times and dates of conversations.
- Whenever you speak to an insurance company representative, write down the date, the name of the person you talked to, and a brief description of the conversation.
- Keep receipts of all expenditures, including transportation, parking costs, and repair costs. Some of these expenditures may be reimbursable.