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icandrive.ca Provides the Top 10 Things Drivers Need to Consider Before Reporting a Car Accident
Date:6/13/2013

Toronto, Ontario (PRWEB) June 13, 2013

Accidents can cost drivers thousands of dollars, in repairs and insurance rate increases. Drivers should consider these top factors before reporting a car accident to the insurance company.

1.    The Other Driver and Vehicle. If you have been involved in an accident with only your own vehicle, with no other driver involved, you are in the position to make the decision on your own about reporting it. If another driver is involved, they have the right to report the accident to their insurance company, which will in turn contact your insurance company. If the other driver plans to report an accident, make your own report as well to ensure your version of events is on the record.

2.    Are There Injuries? You should report an accident to the police as well as the insurance company right away when there are any injuries. The law requires that the police be notified when someone is injured in an accident. An accident police report doesn’t mean the insurance company will be notified, but in the interest of protecting yourself from a lawsuit over medical bills, you should file a claim.

3.    Your Insurance Rates. If you are at fault in an accident, your insurance rates are likely to go up. In some cases, the cost of paying for the damage is less than paying the insurance increase, which will likely affect you for several years. Remember that the rate increase for an accident isn’t related to the amount of damage in the accident; it’s the same whether it’s a minor fender bender or a write-off. This could potentially effect any future car insurance quotes applied for.

4.    Your Driving Record. An at-fault accident on your driving record can affect the cost of renewi
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