Getting into a fender-bender is extremely common. In fact, these low-level collisions account for 75 percent of all accidents.

Yet, when an accident occurs, you might freeze up at the scene.

To be prepared, follow these tips:

At the Scene

If you can, make sure to pull over to the side of the road, and turn your hazard lights on to warn other motorists and draw attention to yourself. There, after you’re in a safe position, check yourself and all passengers for injuries.

When you’ve made sure everyone is safe, exchange insurance information with the other driver. Once the police arrive on the scene, file a report.

For future use, this document assists your insurance claim. If you’re not able to get a report at the scene, many local police departments have a 72-hour deadline for filing.

As well, for your future claim, never admit you’re at fault, as this aspect often isn’t clear at the scene. Instead, to prepare your claim, take photos of the damage and get statements from witnesses.

Immediately After

Even if you can drive away, the ordeal is far from over. Next, it’s strongly advised to contact your insurance carrier about the accident to file a claim.

The insurance company needs an estimate for repairs. As a result, their adjuster will come by to observe the damage, and you’ll be directed to an auto repair shop – one associated with the carrier or one of your choice.

Getting Repairs

With all insurance policies, you’ll have to pay the deductible for coverage to kick in. Here, the carrier often pays the remainder of the costs when a fender is involved.

Damage varies, but repairs often involve a combination of the following:

• The fender or bumper
• Repairing any dents or dings to prevent exposing the metal underneath.
• Alignment and suspension system repairs.

For finding a quality auto body shop close to home for repairs, turn to DaSilva. After a collision, make an appointment at our Naugatuck, CT location.