Call us for 24 Hour Towing Assistance - (419) 238-0776
In Case of an Accident
Follow these simple steps:

You may experience many different reactions after a car accident (cursing might be the first), but it's vital to keep a clear head. These five steps could reduce the risk of further damage or injury, prevent hassles, and save you money later on. (You might want to keep this list in the glove compartment.)

  1. If possible, move your car out of traffic and turn on its flashers. Put out warning triangles or flares if you have them. Then stand a safe distance away while you talk to other drivers or wait for help.

  2. Double-check yourself and your passengers to make sure no one is hurt. Even a fender bender might have caused an injury that's not noticeable right away. Summon medical help if there is any doubt.

  3. Call the police, especially if there has been substantial damage or anyone is injured or acting confrontational. Ask for the investigating officer's name and contact information, and for the accident report number so that you can follow up.

  4. Obtain the name, address, phone number, drivers license number, plate number, and insurance information of any other drivers involved in the accident, along with the names of anyone with injuries and any witnesses. But don't argue over who is at fault or admit blame.

  5. If possible, take photos of the scene (a cell-phone camera can come in handy) or draw a diagram showing the cars' positions. Contact your insurer right away.

Follow this link for insurance requirements according to the state of Ohio.

Common Pitfalls To Watch Out For:
  • Pitfall One
    • Most people have little or no idea what their insurance policy really says. They think they have "full coverage" and "their insurance company will take care of everything". They come to us to have their vehicle repaired and are shocked to find out they don't have rental car coverage. Then, after checking further, they discover the policy gives their insurance company permission to use NON-FACTORY parts. You'll want to avoid this pitfall.

    • We encourage you to get that policy out and read it until you know what you pay for every time you make your payment. Call your agent and have him or her review it with you. Feel free to contact us with your questions. There's a real good chance we've seen your insurance company in action. There are many solid insurance companies and agents out there with excellent products. Make sure you really have the "full coverage" you think you have.
  • Pitfall Two
    • Most people are not prepared to make decisions they're forced to make when their vehicle is damaged. We have people call us and say: "I just wrecked my car. What do I have to do to get it fixed"? If you have avoided pitfall number one, some of these decisions will be easy to make. Other decisions can be thought through in advance. Sit down with your spouse, a close friend, your agent, etc., and ask: "If I was involved In a collision, what would be some of the decisions I might need to make, and how would I make them?"

    • Please feel free to contact one of our claims centers or e-mail us with any questions you have so you will be better prepared. We'll be glad to answer them and help you avoid this pitfall.
  • Pitfall Three
    • You have just been involved In an accident. You have avoided pitfalls 1 and 2. The next pitfall to avoid is thinking since the insurance company is "paying the bill" they should make the decisions. People forget it's their money the insurance company is using to pay for the repairs. They faithfully make their premium payments counting on the insurance company to be there for them. And then, they want to tell you how you spend it. It's you money. It's your car. You make the decisions.

    • Again, know what your policy really says. Make sure you haven't signed anything that limits the decisions you need to make in order to protect the investment you've made in your vehicle. Contact us if you would like to know which Insurance companies let you make decisions and which ones think they should decide for you.
bg image