- Stop at once and identify yourself.
- Show your driver's license and registration to the other driver, the injured persons, and to any police officer.
- If injuries appear serious, call an ambulance. If you feel you were injured in any way, see a physician promptly. It is important for you to seek treatment right away.
- Report the accident to the Department of Motor Vehicles within ten days if property damage exceeds $_______ (check with your local Department of Motor Vehicles to confirm amounts) and/or injury or death results.
- Write a complete description of the accident as soon as possible. Use this handy accident record to help you gather important information.
- Notify your insurance company, even if the claim appears small and there are no apparent injuries. Settling the claim yourself is dangerous. Follow all prescribed procedures when reporting an accident to your insurance company.
- Be aware of the "Appraisal Clause" in your insurance policy. If the insurance company and the body shop cannot agree on what the repairs should cost, this could provide a means for fair settlement.
- Have even minor damage repaired. Letting your car go un-repaired can cost you in the long run. Dents and rust spots deduct from the resale or trade-in value of your car. You will pay for it eventually, so drive a car that's in first-class condition now.
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L.T.M. Collision Center 1188 Enterprise Road
East Petersburg, PA 17520
Phone (717) 569-2800
FAX # (717) 569-9248
| - Do not discuss responsibility.
- Do not discuss the circumstances of the accident with anyone except the police and a positively identified representative of your insurance company.
- Never give a signed statement to the claims adjuster representing the other driver's insurance company. The same goes for a phone recording. If you are being pressured, you may wish to consult an attorney.
- Don't accept a check for the repair of your car until you're sure it covers all necessary repairs. As the owner, you are the person who is responsible for having your car repaired to your satisfaction. Choosing a quality repair shop is an important decision in assuring your satisfaction.
- Don't be fooled by the "lowest estimate." There is a big difference in body shops. A low bid could reflect an incomplete job. When some items (such as alignment) are overlooked on a repair, the consequences to the driver can be serious. An improperly repaired car, especially one with heavy structural damage, is like a time bomb waiting to go off. Exercise your right to determine which shop will repair your car. Make sure every detail has been attended to and repaired to your complete satisfaction before signing any insurance company release.
- Don't allow your car to be towed to a repair shop you are not familiar with. Don't authorize repairs by signing a towing release unless you have decided to have your car repaired by the shop your car is being towed to. Read and understand all papers before you sign them.
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