Vandwelling 101 - Let's talk accidents

Recently my conversion van was rear ended by a hit and run driver. The vehicle was found quickly but registered owner was in jail at time of the accident. Their insurance was lapsed or canceled.

So what's to be done.

The first thing i did was call 911 and report the accident.

I keep my registration, insurance card, and current licence all in one place. Be prepared to grab that quickly.

I met the police at the police station and gave them my account of what happened. They photo' d my documents and the damage.

Police report comes out in 3-5 business days. There's a small fee for the report. My insurance company pays and picks it up.

Once the officer called me and informed me that they'd found the vehicle and it was uninsured...my next call was to my insurance company. You file a claim on your uninsured motorist.

Then i was instructed to go get estimate. First estimate would total out my vehicle.

I love my van and i don't want to replace it...what are my choices?

Actually i do have choices. I've chosen to get another estimate based on repair rather than replacement of doors and quarter panels. That estimate is scheduled for next week.

So...I've learned you can slow the claims process down and regain control of your van and your life.

No matter how careful you are...there are those out there who aren't. You can lose your home in a matter of moments

U pdate. State farm arbitrarily valued my van at $500 and offered me $299 to total out my vehicle.

I declined their offer.

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