Car Dings – Three Vital Steps!
We have all been there at some point. We step out from home, work or the supermarket and find that some kind soul has left a scratch, dent or ‘ding’ on our car. A dented door, a cracked bumper or a horrible knock in the boot might seem like the end of the world. It’s certainly true that it’s a major inconvenience, but thankfully, with a few common sense steps, there are some things we can do to mitigate any further headache. All Nations Insurance have a helpful article on what steps to follow, but the below steps are a good starting point.
Step 1 – Take Photos and Find Witnesses!
Most of the time, whether the person who caused the damage was aware or not, they will not leave details. Gone are the days of popping a note under the windscreen with an apology and a phone number. If the person has left their details or is still at the scene, then that’s a great start, as insurance details and agreements on the next steps can be arranged, amicably, on the spot. It’s important, however, to take photos of the accident ‘as is’ so that the circumstances can be confirmed later. Additionally, despite the other side’s possible admission of liability, if there are any witnesses, the best course of action is to canvass them and obtain statements wherever possible. That way, if negotiations go south later on, you have a back up plan. Wrapping your car instead of getting it resprayed when its damaged it a really effective cost effective way of fixing paint work. There are lots of different car styling options available to achieve this.
In all cases, if the accident has taken place in public, it’s worth contacting the business whose premises may have CCTV, or the local public body who may have caught the incident on camera. There are no real considerations to worry about; most of the time, CCTV operators will simply check if they have caught the incident on camera, and if they have, will allow you to retain the relevant footage. Becker Law have helpful information on what type of photos to take, how many, and what any photographs should ideally include.
Contact Your Insurance Provider!
In all cases, if it looks like things are going to have to be repaired professionally, get in touch with your insurance provider, and in all circumstances don’t refuse to hand your insurance details over if asked. Furthermore, always get the other person’s insurance provider details. There is no bigger shock than receiving a call from your provider stating you hadn’t reported the incident; regardless of blame, it can put your claim on the proverbial ‘back foot’ and makes claims more complicated.
Make Repairs Through An Approved Facility
Always ensure repairs are carried out through an accredited and approved insurance repair centre. Outside companies may be cheaper or claim to be affiliated, but claiming the money back later can be difficult to impossible. Furthermore, the repairs are not always to standard, and will nearly always not be covered under any kind of warranty. Whilst it may be a cheaper option, it will cost more in the long run. Superior Auto Institute provide training to their repair operatives to enure PDR training has been completed to the relevant professional standard, and this should be the base line for considering any place of business to repair a ‘ding’.