Automobile accidents can be traumatic and stressful. Not only can people get severely injured — or even pass away — from a car accident, but these events are typically charged with an assumption of fault. Of course, there’s also the monetary aspect of getting into an accident and figuring out how it’ll all be paid for. Holiday Automotive is here to make the post-collision period safer and less of a hassle. Ready to learn more? Read on to learn what to do after a car accident, or contact us anytime!
Parking lot grazes, driveway bumper taps, and intersection fender-benders are just a few types of minor accidents. So, what do you do after a minor accident? Follow our handy checklist:
Major accidents differ from minor accidents in that they result in serious injuries or even fatalities. Here’s what to do after a potentially life-threatening collision:
What happens if you get into an accident in your leased car? Well, the process of reporting an accident and filing a claim is pretty much the same as it would be had you owned the vehicle. That said, you do generally have the option to avoid reporting the accident, legally speaking, if both parties own their vehicles and agree on that as the preferred course of action. We do not recommend going this route ever, but it is sometimes legally an option if all parties want to pay out of pocket for accident-related damages and nobody is hurt.
On the other hand, when you lease a car, you must comply with all laws surrounding reporting an accident to the police. Usually, you must also alert your leasing company to the fact that you’ve been involved in a collision. Note: if the vehicle is totaled, you’ll still owe the leasing company for the vehicle’s value, unless, of course, you purchased GAP protection. If the vehicle requires repairs, some lease contracts stipulate that they must be conducted at (a) specified and/or approved location(s).
Filing an insurance claim may differ slightly based on which insurance provider you have and what coverage you’ve chosen. Still, the process of how to file a car insurance claim is generally similar, requiring you to provide the following information:
After you’ve given your insurance company all of the above, it’ll be time to have your vehicle evaluated by an insurance adjuster. They’ll work to estimate the cost of your repairs, coverage, and more. Sometimes, you’ll also need to set up an additional appointment to have your vehicle appraised after an accident, but not always.
Now that you’re well aware of how to file a car accident insurance claim, who to alert and when, and how a car accident affects a car lease, we’re more than happy to answer your additional collision-related questions here at Holiday Automotive! Give us a call at 920-266-4693 or book an appointment online at our collision center in Fond du Lac.
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