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
- 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
- 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
- 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
- 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
585-924-3470 or make an appointment
What People Say About Us
Had a tire issue on my camper on the way to Letchworth State Park. Farmington Service was the only place within 30 miles with a trailer tire in stock. They got me back on the road quickly and at a fair price. Thanks!!
I can not express the appreciation I have for everyone at Farmington Towing. You guys not only made sure my car was safely delivered to my garage of choice but also made sure there was nothing in the car or on the key ring that I needed. Before seeing the out reach of support from you all this morning I haven't had a genuine smile in weeks. Merry Christmas and stay safe.
My daughter had a very important 2nd interview for a new job - all the paper work she needed was locked in her car with her keys and she didn't have much time - they were there in less than 10 minutes for a small charge. Relieved her stress, Thank you all so much!!!
Have had my car serviced at farmington service for over 35 years and must say that i have never been disappointed. Tom and Shawn are very professional, thorough and caring when it comes to their customers safety on the road, and I would recommend everyone to take their vehicle there for any service that they need done.. Thanks guys for all you do for my family.
Jeremy was very kind. He tried to start my car many times before the tow. He called around to find an auto repair shop that would take my car right away since I was from out of town. Very honest and caring. Thank you!
What great service! Towed my son's car off the thruway promptly at half what I thought they were going to charge me! Thank you!