How to Handle Minor Car Accidents

​There are plenty of incidents that involve hitting a parked car. Attorney Chip Siegel from Las Vegas once mentioned that accidents like these are not crimes unless you leave unnoticed. If you happen to be in this situation, here are a few tips to avoid a hit and run.

1. Stay – It’s a Requirement by the Law
   If you accidentally hit a car, the first thing that might cross your mind is to leave. Unfortunately, it's against the law, and is considered a hit and run. Being convicted can give you hefty fines and misdemeanor charges. Other states provide community service, jail time, or suspension of your registration. If you are charged for a hit and run, you might be given six points to your license, depending on the point system of the state you live in. You might also get restricted from job opportunities that give you the privilege of driving a vehicle.
   
   
2. Leave a Note if You Have No Other Option
   Even if it may seem scary, it’s essential to leave a note, as the law requires it. You will have to include your name, address, contact number, and your explanation of how the accident happened. If the car you drove were only borrowed, you would have to include the details of the owner as well. You can also add your insurance information in the notes. However, make sure not to say much, since anything you write can be used against you once insurance companies start to settle. Tuck the note safely under the windshield wiper.
   
   
3. Document
   Remember to take photos of the incident for evidence. The damage and license plate of both cars should have a picture as well. Any “dings” can have a hefty price of up to $1,000 to repair. You’ll want to document every single visible damage there is.
   
   
4. Look for Witnesses
   Having witnesses can also be of use if the owner of the car you accidentally hit tries to sue you. State laws require you to look for any witnesses. They will need to have their testimonies of the incident documented, and their contact information jotted down.
   
   
5. Call Your Insurance Company
   After all the necessary tasks for an incident report, make sure also to inform your insurance company immediately to give them enough time to expedite the claims process. You need not worry, your property damage liability coverage will cover the parked car's damage and your vehicle by your collision coverage. That is, of course, after you’ve settled your deductible.

Also, even if you have insurance, there is always a possibility of your rates increasing. This will depend on your deductible and the extent of the damage. Which is why whether it’s your first time to handle a vehicle or not, it’s vital to always be aware of your surroundings.

At Oncken Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (281) 256-8310. Get your free quote today by CLICKING HERE.