Car Wreck - 5 Things To Do After a No Injuries Collision

So there you are minding your own business when you are rear ended. Whether the wreck happened on US 19 near Clearwater, or 275 in Brandon, or I 75 approaching Wesley Chapel, the property damage is pretty bad but thankfully no one is hurt - not even a headache. What's next? What do you do? Here a checklist that works for some (but not all):

And  - You don't need a lawyer


If it's not your fault:

1. Talk only with your insurance company and your insurance agent if you have one.

The other person's insurance company may try to get you on the phone and just ask "a few questions." That insurer is not in the business of paying out on claims. Go through your insurance company first. Talk to them, ask them what you need to do.

2.Take good photographs. video, and document the damage to your car.

Inside and out, top and bottom, take pictures from different angles. Sometimes the worst damage is where you might not see it right away. If there is damage inside, take as many pictures as you can.

3. If the car can be driven, consider getting your own repair estimate from a dealer.

You want genuine parts to be used in the repair (not aftermarket similar parts). Ask for a full estimate, including how long the repairs will take.

4. Get a copy of the police report.

Police officers have long hours, risk their lives, and keep us safe. Every once in a blue moon one may get the facts wrong on a police report. Read it carefully, and if there is a mistake ask to have it corrected in writing. Send a letter certified.

5. If the at fault driver's insurer says it will cover the property damage, get it all in writing.

Sometimes (for our office many times) the other driver's carrier can't help itself. If the repair estimate from a dealer says five days, ask for a rental car for five days. Not three, not two as might be offered.

Confirm that all of the repairs will be made with genuine parts. Get it in writing.

Ask your insurer if the damage will cause the vehicle's value to diminish. If so, ask the other insurance company to pay that difference.

You don't need an attorney to handle a property damage issue, but do take very good notes. Write down dates of calls, who the adjuster is, and document it all.