With a staggeringly high proportion of almost 30% of drivers in the US having no insurance, there’s a good chance that you will at some point suffer an accident at their hands.
However, if you don’t have the right kind of insurance, you could find yourself out of pocket; make sure you are covered for collision, or uninsured motorist damage, and make sure your cover applies both to property, and to any injuries incurred.
Hopefully, any accident you might experience will be minor, and if it’s a simple case of a car hitting yours while parked and driving away, you may not even be present. If you do happen to see the other vehicle, get as much information as you can. For example:
- Make, model and color of the car
- License plate details (even part of the plate will be useful)
- Description of the driver (if you happen to see them)
Whatever you do, do not get into a car chase with the other vehicle. You don’t know what may have caused them to get into a smash with your car in the first place; they may be high, drunk, or otherwise violent. Additionally, if you’re single-mindedly speeding after another vehicle, you stand a high chance of committing a traffic violation yourself.
Take pictures of any damage to your car if possible – on your phone will be fine – and call the police as soon as you can. If the accident took place in a parking lot, you may have to file a walk-in report as the police are unlikely to attend. You can, however, file your insurance claim before you go to the police, but make sure it’s within a few days.
Proper cover is key in limiting the headaches of vehicle damage , so don’t be under-insured.