Travel Tips Before You Hit The Road This Thanksgiving

Thanksgiving is undoubtedly the busiest travel time of the year with infamous transportation delays, traffic and travel snags.  But with some planning you may ease some travel headaches and a drama-free adventure. Whether you’re heading home for the holidays, or escaping for a little getaway, you’ll be thankful for these thanksgiving travel tips.

We suggest you give yourself enough time to check these items off your checklist and make sure your vehicle is ready to hit the road.

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Auto Accident Rights & Responsibilities -Insurance

Reporting The Claim

  • As soon as practical, you should call your insurance company and report the accident. You should do this regardless of who was at fault.
  • An agent will likely ask you about what happened, damages to the vehicles and personal injuries.
  • As part of your insurance contract, you have a duty to cooperate with your insurance company. If you do not cooperate with reasonable demands of your insurance company, you risk denial of coverage.
  • You have no duty or obligation, however, to speak to the other driver’s insurance company.
  • The other party’s insurance agent may ask you to give a recorded statement. You should not agree to do this without first speaking to an attorney.

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Auto Accident Rights & Responsibilities – Repair Costs and Rental Car

Who Pays Repair Costs and the Costs of a Rental Car?

The accident was my fault

  • When you caused the accident, you are responsible for repairing your own vehicle and the other vehicle that you damaged. Assuming you are insured, your company will pay for the damages to the other vehicle up to your policy limits.
  • If you have “collision coverage” under your policy, you will also be covered for repairs to your vehicle up to the amount of your coverage. You will likely have a deductible of $500 or $1,000. You should not have to pay more than your deductible if you have full collision coverage.
  • When you caused the accident, your right to a rental car is subject to the terms of your insurance policy. If you purchased rental reimbursement coverage, you will be covered for a rental car. Most insurers can set up direct billing with the rental car company.

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Auto Rights & Responsibilities – Auto Body Repair

Note: Never drive a car that could be unsafe because of damages. 

How Do I Choose the Right Repair Shop?

  • You should start by checking with the Auto Body Association of CT (ABAC). A list of member shops can be found at www.abaconn.com.
  • Ask if the shop will be using genuine manufacturer (OEM) replacement parts.
  • Ask if shop offers warranty.
  • Ask if shop is a member of ABAC.

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Auto Rights & Responsibilities – Police Reports

  • It is important that you get a copy of the police report a soon as you can. That will have the other driver’s insurance information if you do not already have it. It will also set forth a preliminary version of the accident, which insurance personnel will rely on for settling property damage matters.
  • The police report does not establish who was at fault in a court of law.

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