28 Mar What Are Your Rights If You’ve Been in a Car Accident?
Experiencing a car accident can be overwhelming, but understanding your rights is crucial to ensure you’re treated fairly during the aftermath. This article from National Auto Collision Center outlines your rights following a car accident and provides steps to protect them.
Ensure Safety and Seek Medical Attention
Your health is the top priority. Check for injuries and call emergency services if necessary. Even if injuries seem minor, it’s advisable to consult a healthcare professional, as some symptoms may manifest later.
Report the Accident to Authorities
In many jurisdictions you’re legally required to report accidents involving injuries or significant property damage. Contact the police to file an official report, which serves as crucial evidence for insurance claims and potential legal actions.
Gather Evidence at the Scene
Collecting information immediately after the accident can strengthen your case. Capture images of vehicle damage, the accident scene, and any visible injuries. Obtain contact details from any witnesses who can provide an objective account of the incident. Exchange names, contact information, driver’s license numbers, and insurance details with all involved parties.
Choosing Your Repair Shop
A common misconception is that you must use the repair shop suggested by your insurance company. In reality, you have the right to select the body shop of your choice. Insurance companies may recommend certain shops due to existing agreements, but the final decision rests with you. It’s essential to choose a reputable repair facility like National Auto Collision Center that meets your standards for quality and service.
Insurance Company’s Obligations
Regardless of the repair shop you choose, your insurance company is obligated to cover the repair costs as outlined in your policy. They cannot deny your claim based solely on your choice of repair facility. However, ensure that the chosen shop provides a detailed estimate and works within the scope of necessary repairs to avoid disputes.
Additional Rights and Considerations
Insurance companies are required to handle claims efficiently. Familiarize yourself with your policy’s timelines and follow up regularly to ensure timely processing. Depending on your policy and state regulations, you may have the right to request original equipment manufacturer (OEM) parts for repairs. Discuss this with your insurer and repair shop to understand any cost implications. If your policy includes rental coverage, you’re entitled to a rental car while your vehicle undergoes repairs.
Protecting Your Rights
To safeguard your interests after an accident, keep records of all interactions with insurance representatives, repair shops, and other involved parties. This includes emails, letters, and notes from phone conversations. If you encounter challenges with your insurance company or have concerns about liability, seeking advice from a legal professional can provide clarity and protect your rights. Understanding the specifics of your coverage, including deductibles, limits, and exclusions, empowers you to make informed decisions throughout the claims process.
After an accident, choose National Auto Collision Center for expert, hassle-free repairs in Tucson. We work with most insurance companies while ensuring you get top-quality service, regardless of their recommendations. Our skilled technicians use state-of-the-art equipment to restore your vehicle to its pre-accident condition. Contact us today to get you back on the road safely.