•
Gather the important information you will need from
the other driver. Things like name, address, phone
number, driver’s license number, vehicle license
plate, vehicle make, model and model year, Vehicle
Identification Number (VIN), insurance company and
policy number, and a general description of the
damage to the other vehicle.
•
If possible, call your insurance company from the
scene of the crash. They will walk you through the
information they will need. If they ask for a police
report, phone or go to the police department
headquarters the next day and you can get a copy of
the report for a nominal fee. In some states/provinces
with “no fault” insurance laws, a report may not be
necessary. This is especially true if there are no
injuries and both vehicles are drivable.
•
Choose a reputable collision repair facility for your
vehicle. Whether you select a dealer/retailer or a
private collision repair facility to fix the damage,
make sure you are comfortable with them.
Remember, you will have to feel comfortable with
their work for a long time.
•
Once you have an estimate, read it carefully and
make sure you understand what work will be
performed on your vehicle. If you have a question,
ask for an explanation. Reputable shops welcome
this opportunity.
Managing the Vehicle Damage Repair
Process
In the event that your vehicle requires damage repairs,
GM recommends that you take an active role in its
repair. If you have a pre-determined repair facility of
choice, take your vehicle there, or have it towed there.
Specify to the facility that any required replacement
collision parts be original equipment parts, either new
Genuine GM parts or recycled original GM parts.
Remember, recycled parts will not be covered by your
GM vehicle warranty.
Insurance pays the bill for the repair, but you must live
with the repair. Depending on your policy limits, your
insurance company may initially value the repair
using aftermarket parts. Discuss this with your repair
professional, and insist on Genuine GM parts. Remember
if your vehicle is leased you may be obligated to have the
vehicle repaired with Genuine GM parts, even if your
insurance coverage does not pay the full cost.
If another party’s insurance company is paying for the
repairs, you are not obligated to accept a repair
valuation based on that insurance company’s collision
policy repair limits, as you have no contractual limits with
that company. In such cases, you can have control of
the repair and parts choices as long as cost stays within
reasonable limits.
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