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WHEN ACCIDENTS HAPPEN

How to Respond in a Tough Situation

Being in a car accident is the last thing anyone wants - but when it does happen, there are ways of making sure that the legal and insurance issues are handled with as little stress as possible.

  • First of all - stay calm.
  • If someone is injured, be sure to call for medical help.
  • Make sure you call the police.
  • Don't publicly make any statements where you either accuse the other person of causing the accident or take all the blame yourself. It could open you up to legal problems.
  • Whatever you do, don't leave the scene until you've had a chance to talk with the officer and you've gotten their name. It's important to make sure that your side of the story goes on the record. Afterward, it's a good idea to get a copy of the police report.
  • Make sure you have a pre-printed copy of your insurance information in the glove compartment, along with a camera you can use to provide pictures for the insurance company. A disposable camera with a flash for nighttime or interior shooting is usually best for this.
  • In dealing with the other driver, make sure you get their name, address, driver's license number and insurance information - and that they get the same information from you.
  • Also, make sure to get information from any witnesses as well.
  • Make sure you get pictures of any physical evidence of what could have caused the accident.
  • Write down pertinent details such as where the accident took place, what the weather was like, etc.
  • Once the information's exchanged, report the accident to the insurance company immediately, even if it's not your fault.
  • Make sure you understand how you're covered, and don't be afraid to ask the insurance company to explain the conditions of your coverage and payments.
  • Don't be afraid to seek legal advice - and don't sign anything if you don't understand it.
  • When you're using a body shop to get repairs to your vehicle, be aware that the insurance company can recommend a shop, but you are under no legal obligation to use its services. You have the legal right to choose the shop to do your repairs.
  • Also be aware that insurance companies sometimes try to dictate what type of parts are used in a vehicle's repair. They might insist that a shop not use Original Equipment Manufacturer (OEM) parts, as they are more expensive.

    You have a right to know what kind of parts are being used on your vehicle, and to know if your insurance policy dictates what kind of parts can be used in your car. If your policy lets you choose, you have the right to decide for yourself.
  • An insurance company also has the right to inspect your vehicle, but it is not required to do so. In addition, they cannot require you to visit one of their own claim centers.
  • And finally: Make sure you learn from this accident, but also let yourself move on from what happened. Everyone has an accident once in a while - it's just something that happens.

Remember - Drive Safely!

Want more information on your rights? To make an appointment, call us at 859-586-8999 or make an appointment online!

OUR PARTNERS

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Testimonials

  • Prompt & Professional
    Emergency Roadside Assistance
    I want to thank you again for your prompt and professional service of our school bus on Friday, April 9th, 2010. We we're visiting the Creation Museum and had no idea where to turn for help with our vehicle. I believe that God puts people at the right place and time and you definitely we're placed in our path when we needed assistance. I appreciate your willingness to look at the bus immediately and to repair skillfully at a fair price. If I ever know of someone in your area that needs automotive service, I will be sending them to you!
    reviewicon, 11/21/2019

  • Helpful & Professional
    No question, just praise. We were helped today with our 5th wheel which broke an axle on I-275 by Ryan and Joe they were very knowledgeable, safety first, helpful and professional. My wife and I could not have been happier given the dire issue we were facing. Please thank them again from us.
    reviewicon, 11/21/2019

  • Felt Safe
    Emergency Roadside Assistance
    I want to say thank you to a driver. My teenage daughter and her friend were in Crestview this afternoon and her car wouldn't start. I wasn't able to get to her and called AAA. Your driver was there in less than 30 mins, got her car started, checked her alternator, and got her on the way. She was very nervous about some stranger coming but he made her feel safe the whole time. As a parent I could not of asked for more!!
    reviewicon, 11/21/2019

  • Professional & Efficient
    Emergency Roadside Assistance
    I just wanted to let you know how very satisfied I was when Ryan came and picked up our car. This was our 2nd experience with Ryan and both times he was very professional, patient and efficient. This 2nd time he was the THIRD truck AAA sent and boy was the 3rd time the charm. He conquered every obstacle (and there were many, hence the THIRD truck sent by AAA) with truly remarkable problem-solving skills and he was prepared with the tools he needed for each and every one of them. I have already told AAA that I will be requesting Smith's for every single roadside service I need in future. I have never had any complaints with your service in the past and all your drivers have been courteous and helpful in the extreme. Oh and the 2x4s! Awesome thinking on someone's part. Kudos, guys!
    reviewicon, 11/21/2019