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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 410-922-2700 or make an appointment online!

ASSOCIATIONS

  • AAA Approved Auto Repair
  • ALL-DATA
  • ASA (Automotive Service Assocation)
  • ASE Master Technician
  • Federated Auto Parts
  • IATN (International Automotive Technicians' Network)
  • IDENTIFIX
  • Jasper
  • Car Care Aware

Testimonials

  • Never had a problem in all the times I've brought my car here. The guys are friendly, funny, and honest!
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  • Clean restrooms, clean nice waiting room.
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  • Been going there for over 30 years always a pleasure always an honest estimate and always on time they may not be the cheapest but they back up their work and it's worth a penny or two more for that kind of confidence.
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  • Found My Mechanic through Dave Serio's website. They worked on my 2005 Honda Odyssey. Needed a new front axle and some brake work. They did a good job same day and I was very pleased. I will go back again for other service work in the future. Thanks guys!
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  • I took my truck to my mechanic because of a noise that I only heard on bumpy roads. They told me that it was a broken leaf spring and also recommended that I replace my stabilizer links. I had the spring taken care of immediately and returned to them for the stabilizer links. They also replaced the front rotors and pads at that time. They were very friendly and reasonably priced. I will be returning to my mechanic for future repairs without question.
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  • My 1992 Toyota Previa Van was on its last leg. Vic and the guys at My Mechanic put new tires on it, they performed a front end alignment and fixed my heater all in the same day. Very Happy with the service.
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  • Great service, Honest & Friendly. Helped us out while visiting relatives.
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  • To: MY MECHANIC - Expert Auto Repair Mr. Vick, this note is to express my sincere gratitude for the fabulous service I experience at your shop. It's always nice to know you can depend on someone when dealing with a situation like I had to deal with. I appreciate your help and hard work in regard to my car repair. I also appreciate your company friendliness, quality, attitude and professionalism. The people who work there go out of their way for the customer, many times going beyond their duty in giving each customer the best in service. Thank you for your pride, even more than the great job and advice, I thank you for the patience and kindness you and your staff showed me. All of you were very kind and helpful to me during the process. A special thanks to Vick and Rick you both really took the time to explain what the needs of my vehicle were, you just don't find that kind of one on one service today. Your repair shop and technicians are indeed the greatest! I want you to know how much I appreciate the way you have cared and thank you for all your help and I will see you next service. I have certainly highly recommended your company to others; because of my complete satisfaction with your services. Keep up the good work : ) Sincere Diva thanks.
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  • What can I say about my Mechanic except that they provide outstanding service in every aspect of their business. Their customer service is superior to any other. At My Mechanic they not only make you aware of what you need to do to keep your vehicle performing at its best they explain in detail why this is needed for your vehicle. When I visit My Mechanic it is always a pleasant experience in every way. My Mechanics family has become part of my family. There is only one thing left to say. "Don't Panic call My Mechanic". You will be pleased with their service.
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