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From: ark@alice.UUCP (Andrew Koenig)
Newsgroups: net.auto,net.legal
Subject: Re: what to do after auto accident?
Message-ID: <3615@alice.UUCP>
Date: Mon, 22-Apr-85 14:32:37 EST
Article-I.D.: alice.3615
Posted: Mon Apr 22 14:32:37 1985
Date-Received: Tue, 23-Apr-85 06:28:54 EST
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Xref: watmath net.auto:6507 net.legal:1590


	+ what expenses should i expect the insurance company to pick
	up (towing/storage of 'car'/rental car/etc)?

Read your policy or ask your insurance company.  And tell them IMMEDIATELY
about the accident.  Usually insurance will pick up the cost of renting
a temporary car up to some small limit ($10/day, $.10/mile, 30 days is
typical).

	+ it has been suggested that i visit a doctor immediately if i
	think back/neck injury was at all possible-does this imply that
	anything that might crop up is only 'covered' if i visit a dr. w/in 24
	hours or so of the accident?

Read your policy.  Also, ask yourself what you would do if you later
developed back trouble, filed a claim, and were told "we won't pay
you unless you can prove your back trouble is the result of your accident.
Since you didn't see a doctor at the time, we assume you weren't injured
then."

	+ when the car is deemed 'totalled' - do i correctly assume
	that i will get 'book value' for the car and the 'remains' of the car
	are then the property of the insurance company?

Yes.  In effect, the insurance company is offering to buy your car
from you for its canonical market value, even though it's wrecked.
  
	+ the police dept. said the police report will be ready in 3-4
	days.  what steps do i follow once i get that report back? i.e. do i
	contact the faulted driver's insurance company directly? (i assume
	fault will be assigned - there seemed to be no question as to what
	happened - there were many witnesses)

I am not completely certain about this, but I think that in a case where
the accident is clearly the other guy's fault, your insurance company
will file a claim with the other driver's insurance company.  If that
claim is accepted, you will get your deductible back.  To be certain,
ask your insurance company.  I wouldn't expect to get very far trying
to file a claim against the other guy's insurance.
	

finally - anyone have any good recommendations on cars?

Yes -- Volvos are extremely reliable and crashworthy.