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cambridgecitizen t1_j43x6b5 wrote

I'm thankful that no one appears to be hurt. So;

  1. call your insurance co immediately. Like right now. They will advise you on what to do. Expect them to send out an adjuster to look at the car, so have the name of the tow yard handy. Depending on your policy, you may have coverage for a rental vehicle.

  2. get a copy of the police report. When I was in an accident in Cambridge, they (the police) actually charged me a copy fee. I was told that the police show up at accidents as a curtesy.

  3. expect to be found at-fault.

  4. if there are other older damages to the car, don't try to fold them into this claim. I'm not a lawyer, but that smell like fraud to me. If the car ends up in the body shop, they can usually do minor repairs along with the major work.

  5. you'll feel better tomorrow.

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techiechica t1_j4403b2 wrote

You’re too kind! This is so helpful, thank you so much!

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brianphil98 t1_j442wiy wrote

if you are leasing a car, you probably have comprehensive insurance. it would cover repairs if its not totaled. you pay your deductible.

leased cars usually get work done at the dealership, and they would often give you a dealership loaner car. insurance may make you use a rental company if its a long repair time.

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techiechica t1_j44brgh wrote

Oh that is so helpful (and a relief). I couldn’t figure in my head where the difference lies between what insurance helps with; what the dealership does; and what I’m on the hook for.

Grateful for your insight.

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