Saturday, September 10, 2016, AM | Leave Comment
Even if your car is wrecked, it doesn’t have to wreck you. Car accidents can be expensive.
Sadly, there may be some expenses that are unavoidable, but there definitely are some expenses that can be avoided.
Consider the following tips in the event you find yourself in a wreck.
Do not assume you are covered for towing. You also should not assume that your vehicle needs towing.
If you know someone who is a mechanic, a good time for them to inspect your vehicle would be after an accident.
At times, more damage can be done to a vehicle if it is driven, but many times a tow company will have a deal to tow cars after accidents, and this can happen whether your car needs towing or not.
Towing and storing fees can become a huge out-of-pocket cost.
A car rental may be covered by your insurance company, so make sure to look into that before you seek out a rental.
If possible, look up your original policy before speaking with your insurance company.
Since you may need to report the accident, you can ask them at that time as well.
Even though your insurance company should technically be on your side, be aware that some insurance companies respond to accidents with unfavorable results, such as raising your premiums or possibly refusing to cover your rental car even if you are supposed to be covered.
After an accident, insurance companies will begin interviewing the people who were involved in the accident.
Each company is trying to clear their client from any responsibility so that the insurance company will not have to pay for damages.
It’s important to be careful of what is said in this interview. It is wise to put this interview off until a lawyer, like a Seattle Car Wreck Lawyer, is contacted.
The insurance company will need to speak to this lawyer upon representation, and the lawyer will be able to look out for your best interests because they know how insurance companies work.
If you are required to pay for some of the damage because you were found at fault and you have a large deductible, consider the cost of the damage.
If the damage is relatively minor and you can afford to put it off, you may wish not to file the damages with your insurance company.
For example, if the damage is less than the deductible, you will have to pay this amount anyway, and it can raise your premiums in the end, which is an additional expense.
However, be aware of what your policy says that you must do in reporting the accident.
Vehicle accidents are upsetting. It’s best to wait to speak to anyone until you are calm and collected.
Seek out immediate medical attention if you need it, although. Be safe out there, and think of all of your options if you find yourself in an accident.
Kara Masterson is a freelance writer from West Jordan, Utah. She graduated from the University of Utah and enjoys writing and spending time with her dog, Max.