COLLISION CENTRE - WHAT TO DO IN AN ACCIDENT?

9 EASY STEPS TO REMEMBER WHEN INVOLVED IN AN ACCIDENT

1. Stop - render aid. Stop profuse bleeding. If possible avoid moving an injured person. Call 911 immediately.
2. Warn other drivers to prevent further damage. Stop your car immediately, avoid blocking traffic (if possible drive car off to shoulder) turn off your engine and turn on your hazards.
3. Be careful what you say. Don't admit responsibility. Investigation may show you were not responsible.
4. Remain calm, be courteous and avoid getting into an argument even if you're angry.
5. Gather facts. Be sure to get the names of witnesses, as well as other driver's information. If vehicle is not safe to drive, insist on towing your vehicle to Jim Tubman Chevrolet.
6. Important tip regarding towing. Beward if the tow truck driver is recommending a particular repair facility without being asked. This could be an indication that a referral fee arrangement exists. Be clear in where to deliver your vehicle.
7. Report to proper authorities in Ontario all personal injury accidents and all accidents resulting in property damage over $1,000 or higher.
8. Report to your insurance company claims department.
9. If your vehicle is driveable contact Jim Tubman Chevrolet for an assessment of the damages.

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. However, the police agency that handles the accident usually does not notify the insurance agency, as one of the involved parties frequently does it. So, go ahead and file a policy report. It is important for your protection.

THE INSURANCE COMPANY

A crucial part of the collision repair process is communication between you and your auto insurer. One call will help you better understand the terms, conditions and limitations of your coverage.