Three Points To Remember If You're In A Vehicle Crash

7:42 PM, Jan 29, 2014   |    comments
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GREENSBORO, N.C. -- It's a terrible feeling when you're in a car crash, whether you're the one who caused it, or you're the victim. In this kind of weather, we're hearing about accidents all over the Triad.

If you end up in wreck, Matthew Young, of Geico Insurance says there are three key points to remember:

1. Don't admit fault.
2. Don't reveal details about your coverage.
3. Don't forget to take pictures.

Let's start with admitting fault. Don't say something like, "Oh, I'm so sorry," or "I didn't mean to hit you." Instead, say something like, "Are you OK? Do you need an ambulance?" Insurance companies say admitting fault right away can cause problems for you later with police and your insurance company.

Next, don't reveal information about your coverage. In other words, don't say, "Don't worry, I have great insurance with $100,000 worth of protection."

"You may be trying to help the situation and explain what you do have. But, in some situations, there are cases where fraud does exist. Certainly, you don't want to disclose any of the coverages you have that folks may try to fraudulently take advantage of," Young said.

Finally, take pictures. Many people have smartphones. Use them in these situations. Take pictures of your vehicle, the other vehicle and the entire scene.

"It helps recreate what actually happened, and not so much relying on recollection because that can be hazy. Emotion can play a role. It gives something factual to go on...not just simply what I think I remembered seeing," Young said.

Scott Johnson, the owner of Greensboro Body Company, told WFMY News 2 he's expecting to get pretty busy over the next few days. There's a bit of a delay because people spend time filing insurance claims and trying to determine where to take their vehicles.

Having you car towed directly to a body shop can save you time and money. You don't have to pay storage fees and your car is right where it needs to be to get repaired.

"They have the right to repair their car wherever they want. Rather than having the vehicle towed to an impound yard, they can have the vehicle towed directly to the body shop of their choice," Johnson said.

You might consider putting off a repair to save money. In some cases, you'll be fine. However, be careful. Some problems can get worse if you don't fix them right away.

"Bumpers today are made out of plastic or polyurethane or a plastic material. You can knock some paint off of that and you don't have to worry about a rust problem. But, if you have gotten into the metal, where the paint has been disturbed, especially with the brine solution they put on the road, you are looking at a rust problem," Johnson said.

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