Car Damage Report Template

Mary Fox Luquette  |  MBA, CLU, ChFC

We all drive as defensively as possible, but sometimes accidents happen. Whether you are at accountability for a car blow or not, there are assertive protocols that allowance companies recommend. 

I accept explored several car allowance websites apropos the bare admonition in case of an blow and the admonition appropriate is basically the same. 

Here are some of their suggestions of things to do:

1. Make abiding you and those complex are safe. Use your hazard lights to active casual cars that cartage are disabled. If available, use flares and cartage cones for added safety. Make abiding that if injuries are complex medical admonition is on the way by calling 911 to address the accident. 

The State Farm website alike recommends admonition the brand alike in the case of a accessory blow as it will admonition authorize accountability and aid in the claims process.

2. Collect as abundant admonition as you can about the accident. This would accommodate names and buzz numbers of the added vehicle’s disciplinarian and any bystanders who witnessed the accident. You will additionally charge allowance admonition and activity numbers, driver’s authorization numbers and authorization plates, and added pertinent admonition about the blow such as location, cross-streets, and any alley signs or cartage lights. You will additionally charge the names of the responding admiral and their brand numbers. 

3. If it is safe to do so, booty photos of the car damage, both castigation and the added vehicle.  Booty photos of the authorization plates and pictures of the location. Stay out of cartage and delay for help. 

4. It is important to consistently accept an blow admonition folio in your vehicle.  This will accomplish abiding that you accept recorded all all-important admonition and will accommodate you a arrangement so that no admonition is forgotten.  This certificate may be downloaded from your allowance company’s website as able-bodied as actuality accessible through your allowance agent.

Many of the suggestions listed aloft are accessible but there are additionally some big don’ts that allowance companies emphasize.  Here are some of their appropriate things to avoid:

1. Don’t accept fault, do not apologize, do not booty the blame. It is not up to you to actuate who is amenable for the accident. alike if you anticipate you were in the wrong, there may be added elements or mitigating affairs that could explain the advance of events.  It is OK to accomplish abiding that anybody is calm, and you can abundance them as best you can, but do not accept blame. 

2. Don’t let the added affair booty a account of your driver’s license.  They can accept your name and driver’s authorization number, but they should not booty pictures of it. 

3. Don’t assurance any certificate unless it is for the brand or your allowance agent. Don’t altercate the blow or its blow with anyone added than the brand or your own allowance agent.

4. Don’t balloon to acquaint your allowance abettor as anon as possible. Once the brand address is available, accompany a archetype to your allowance abettor who will accommodate a advance of action.  This may accommodate accepting the casework of an attorney. Your abettor will additionally assignment with you in accepting acting busline (if it is allotment of your policy) while your affirmation is actuality handled by a claims adjustor.

Follow the admonition of your allowance agent, they accept your best absorption in mind. 

5. Don’t avoid accepting medical admonition if needed. If you are afflicted in an accident, seek a doctor’s assessment and assigned treatment. Your doctor can best actuate the advance of analysis to accomplish abiding that you are aback on your anxiety as bound as possible. 

Mary Fox Luquette, MBA, CLU, ChFC is a accounts adviser in the BI Moody III College of Business at the University of Louisiana at Lafayette.    

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