•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 accident. 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 with “no
fault” insurance laws, a report may not be necessary.
This is especially true if there are no injuries and both
vehicles are driveable.
•Choose a reputable collision repair facility for your
vehicle. Whether you select a GM dealer 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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