After an Accident
I have been involved in two car accidents. In both cases, I was the victim, and in both cases, the parties who hit me did not want to go through insurance. What does that mean anyway?
When you are involved in a car accident, there are important things you have to do at the moment (after pulling over to the side and after checking that every party involved is safe, of course). Ask their name, driver's license number, the license plate number of the car that hit you, model, make, year, and color of that same car, their insurance company, their policy number, and their contact information, the date, the time, and the place of the accident, and how the accident happened. Take pictures of the damage on your car, their car, and the overall accident. If there are any witnesses, get their contact information. If need be, call 911. At the very least, get their full name, their number, and the license plate number of the car. Call your insurance provider that same day and report the accident. This is going through the insurance.
On the first accident I got involved in, a Ford 250 hit my Toyota Corolla. I was the first one hit and the two cars in front of me collected damage as well. The driver did not want to go through insurance because he was driving a company truck and did not want to get fired. I was fine with that and so was the second driver hit, but the last driver wanted to go through insurance. So we all went through insurance. An estimator came to my house, took pictures of my car, gave me the name of a possible auto body shop, and left. The insurance took care of the bill and the bill for a rental car.
There is less hassle if you go through the insurance companies. Go through insurance.
