Experiencing a collision can be stressful and overwhelming. To help you navigate through this challenging time, we’ve compiled some essential tips and information to make the process smoother and less daunting. At Southwest Houston Bodyshop, we are here to assist you every step of the way.
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*The following information is inteded as an aid and should never be used counter to the suggestions of officials and/or laws presented by local, state and federal governments.
Drivers should carry a cell phone, as well as pen and paper for taking notes, a disposable camera to take photos of the vehicles at the scene, and a card with information about medical allergies or conditions that may require special attention if there are serious injuries. Also, keep a list of contact numbers for law enforcement agencies handy. Drivers can keep this free fill-in-the-blanks accident information form in their glove compartment. The DocuDent™ Auto Accident Kit ($19.95), supported by AAA and insurance companies, offers a comprehensive kit that includes a flashlight, reusable camera and accident documentation instructions. A set of cones, warning triangles or emergency flares should be kept in the trunk.
Texas law requires drivers to have basic liability coverage. If you don’t have auto insurance, you can be fined up to $350 (or more if you’ve been ticketed before for no insurance). Be ready to show your insurance card if an officer asks you for it, and inform your insurance company of a collision right away.
The whole insurance process will be easier following your accident if you know the details of your coverage. For example, don’t wait until after an accident to find out that your policy doesn’t automatically cover costs for towing or a replacement rental car. Generally, for only a dollar or two extra each month, you can add coverage for rental car reimbursement, which provides a rental car for little or no money while your car is in the repair shop or if it is stolen. Check your policy for specifics.
Distracted driving, which includes distraction, driver inattention or cell‐phone use, is becoming increasingly common and dangerous, causing traffic crashes and fatalities. In 2012, there were 90,378 traffic crashes in Texas that involved distracted driving. These crashes resulted in 18,468 serious injuries and 453 deaths. In fact, nearly one in four crashes in Texas involves driver distraction.
Many insurance companies now offer phone applications which can aid drivers in submitting claims as well as providing a record of coverage. Many drivers find these applications helpful. Check with your insurance provider for availability.