If by some unfortunate twist of fate you find yourself in an accident, it is very important to take the proper steps in order to assure your personal safety as well as the safety of any passengers. For your convenience, we have listed these steps below:
- First check for injuries. If you or another party is injured, seek immediate medical attention.
- If nobody has been seriously injured, determine whether the car is creating a dangerous road condition. If it is and can be safely moved, drive it off the road. Always exit a flaming car immediately.
- If there is any interference with the functioning of your tires or wheels, the car is making odd noises, or is leaking any fluids – DO NOT DRIVE IT. If this is the case it is safest to obtain a tow, which your insurance company will pay for. If you have been in a front-end collision and intend to drive away, do not open the hood, because it may be difficult to securely close.
- If another driver is involved, exchange information with the other driver such as names, addresses, registrations, insurance, phone numbers, and so on. Also try to obtain the insurance policy number of the other driver's. Doing so will be beneficial if there is a third party claim.
- Record the names, addresses, and phone numbers of witnesses if at all possible, particularly if there is potential negligence or dispute over who is responsible for the collision.
- If both drivers are convinced of innocence, don't argue about it. File a claim under your collision coverage and your insurance company will settle the matter by means of subrogation. If the other party is found at fault your deductible will be refunded.
- If it is certain the other party is at fault you may submit your claim to their insurance company. In such cases their insurance company must pay 100% of your claim and provide alternate transportation while your car is being repaired.
- Your automobile can be serviced at the shop of your choice.
- If your vehicle must be towed, you still have the right to choose which shop you would like to service your car.
- New Hampshire law only requires you to obtain a single estimate.
- Poor repairs can affect your vehicles value, safety, and operation. Note that different repair shops may differ in quality of repairs.