Car Accidents are sadly almost unavoidable anymore. There are thousands of cars on the road at any given moment, and all it takes is one bad driver to hit your car and cause massive amounts of damage. So what do you do in that situation? In today's blog we will be talking about how to handle an accident and what insurance you should be contacting.
Who Do I Contact after an Accident?
When you get in an accident it is always paramount to first make sure that everyone on both sides is safe. If someone has been injured immediately call 911. Hopefully, no one is injured, in this situation it is a judgement call on whether you feel that the police are necessary. By calling the police you will get a documented report of the accident that will be very useful in the claims process. If you feel that something like this would be helpful, then we would recommend calling the police. We also recommend that you take photos of everything that has been damaged, as well as getting the information of the other driver; drivers license, their insurance information, phone number, and first and last name.
After you have left the scene, it is time to decide whether or not it is worth it to file an insurance claim. It is always important to know your insurance deductible, if you get quotes for repairs and the cost is higher than your deductible then we recommend filing a claim. However, if the damage is minor and does not need expensive repairs that are higher than your deductible then it is actually harmful to file a claim. Every time you file a claim, it stays on your record for 5 years. This could cause your insurance premiums to go up, no matter who is at fault. If the other driver is at fault, file the claim with their insurance company.
At AZ Insurance Team we can help you decide what option is the best for you. We are always here to help and talk, and unlike your typical insurance agent we are not tied down with any company so we are always looking out for our customers first, instead of our bottom line. For any questions, give us a call at 480 535 5709.
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary on state, insurance company, and type of policy.
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