What to Do When You’ve Got a Smashed Car: Insurance Tips

Causes of a Smashed Car

Causes of a Smashed Car

Car accidents happen more often than we’d like to think. According to the National Highway Traffic Safety Administration (NHTSA), car accidents are one of the leading causes of death in the United States. In 2019, over 36,000 people died in car accidents. Obviously, not all car accidents lead to smashed cars, but when they do, it can be a messy and expensive affair.

There are many reasons why a car may get smashed. Some are due to the driver’s fault, while others are because of external factors. Here are some of the most common causes of a smashed car:

1. Reckless Driving

Reckless driving is one of the leading causes of car accidents. Speeding, weaving in and out of traffic, tailgating, and running red lights are just some examples of reckless driving. Reckless driving can cause a car to get smashed and result in severe injuries or even death. According to the NHTSA, speeding alone caused 9,378 fatalities in 2018. The repercussions of reckless driving can be devastating, not just for the driver but for other drivers on the road.

If you engage in reckless driving, you are putting everyone on the road in danger. It is crucial to always follow traffic laws, obey all traffic signs, and be aware of your surroundings. Even if you are in a hurry, it is never worth risking your life and the lives of others on the road.

Driving while intoxicated or under the influence of drugs is another component of reckless driving. Alcohol and drugs impair your judgment and reaction time, which makes it incredibly dangerous to drive. It is not just illegal to drink and drive; it’s also incredibly irresponsible. If you have had too much to drink, there are always alternatives to driving, including getting a ride with a designated driver, calling a taxi, or using ride-sharing services, such as Uber or Lyft.

2. Distracted Driving

Distracted driving is another leading cause of car accidents. Taking your eyes off the road for even a second can result in a smashed car. Distracted driving includes texting, talking on the phone, eating or drinking, adjusting the radio, and anything else that takes your attention away from driving. According to the NHTSA, distracted driving caused 2,841 deaths in 2018.

Using your phone while driving is particularly dangerous. Texting while driving is illegal in most states and significantly increases the risk of getting involved in an accident. If you need to use your phone, pull over to a safe spot or wait until you reach your destination.

3. Poor Road Conditions

Poor road conditions, including potholes, damaged bridges, and debris on the road, can cause a car to lose control and result in a smashed car. It’s essential to practice caution and slow down when driving through construction zones or on roads that are in poor condition. Failure to do so can result in tire blowouts or even losing control altogether.

4. Weather Conditions

Weather conditions play a significant role in car accidents. Bad weather, including rain, sleet, snow, and ice, can make the roads slippery and dangerous. Fog can also play a role in decreasing visibility. It is crucial to adjust your driving to the weather conditions and always be cautious when driving in adverse weather.

5. Mechanical Failure

A mechanical failure can also cause a car to get smashed. Brake failure, steering issues, and tire blowouts can all lead to a loss of control of the vehicle and result in an accident. It is essential to keep your car well-maintained and have it checked regularly by a mechanic. Never ignore any warning signs or unusual noises your car may make as it could be a warning of a bigger problem.

While there are many factors that can contribute to smashed cars, most can be avoided by practicing safe driving habits and maintaining your vehicle. It is crucial to keep in mind that driving is a privilege, not a right, and with it, comes significant responsibility. Always adhere to traffic laws, drive defensively, and be aware of your surroundings to keep yourself and others on the road safe.

Steps to Take After a Car Accident:

Car Accident

Car accidents are always unexpected and can happen to anyone at any time. They can be minor or serious, and the result is usually a damaged vehicle, physical injuries, and mental trauma. It is crucial to know the steps to take immediately after an accident. These steps will ensure your safety and help you avoid any legal consequences.

Gather Information

Car Accident Information

The first thing you should do after a car accident is to make sure that you and your passengers are not injured. If you or anyone else is hurt, call for medical assistance immediately. Once you have ensured everyone’s safety, move the vehicles involved in the accident, if possible, to the side of the road.

The next step is to gather information about the other driver. Get their name, address, phone number, and insurance details. If there are witnesses, get their information as well. Take pictures of the accident scene, including the damages to both vehicles, the position of the vehicles, and any skid marks or debris on the road.

It is also essential to report the accident to your insurance company as soon as possible. Provide them with all the necessary information, including any injuries, and damages. Failure to report the accident to your insurance company can lead to legal problems.

The police should also be informed, especially if there are injuries or extensive damages. Cooperate with the police and provide them with the information they need to complete their accident report.

During this time, you may feel anxious and overwhelmed. Remember to stay calm and avoid apologizing or admitting fault, as this can be used against you later.

Get Medical Attention


Even if you don’t have visible injuries, it is essential to get medical attention after a car accident. Some injuries, such as whiplash or internal bleeding, may not show up immediately, but they can cause serious health problems later on.

Visit a hospital or your doctor as soon as possible, as this will document any injuries you sustained in the accident. Keep copies of all medical records, bills, and prescriptions related to your injuries. These documents will be necessary if you decide to file a personal injury claim.

If you are experiencing pain or discomfort after the accident, take it easy and rest. Try to avoid any strenuous activities, and follow your doctor’s instructions. Don’t dismiss any pain or discomfort; it is always better to get it checked out early.

Call a Lawyer


If you suffered injuries in the accident or significant damages to your vehicle, you may want to talk to a lawyer specializing in personal injury. An experienced lawyer can help you navigate the legal process and ensure that you receive the compensation you deserve.

Insurance companies often try to settle quickly and for less money than what is fair. A lawyer will work for you to ensure that your rights are protected and that you receive the maximum settlement possible.

You may also consider hiring a lawyer if you are facing any legal charges after the accident, such as driving under the influence. A good lawyer can represent you in court and help you understand your rights and responsibilities.

In conclusion, car accidents are scary and stressful events, but knowing what steps to take afterward can help alleviate some of the anxiety. Gather information, get medical attention, and call a lawyer if necessary. Take care of yourself and those around you, and always remember to stay calm and avoid admitting fault. With the right actions, you can minimize the impact of the accident and get back to your normal life.

Dealing with Insurance Claims for Car Accidents

Car Accident Insurance Claim

Getting into a car accident can be a traumatic experience that can disrupt your daily life. Besides dealing with the aftermath of the incident, you may also have to go through the process of filing an insurance claim. Here are some steps to help you navigate through the process of filing an insurance claim:

1. Gather Information At The Scene of the Accident

The first step in filing an insurance claim is to get the relevant information about the accident. This includes the names and contact information of all the drivers involved in the accident, as well as their insurance information, license plate numbers, descriptions of the vehicles involved and the location of the crash. This information will help you later when you file your claim.

2. Contact Your Insurance Company

After documenting the accident, you should immediately contact your insurance company to notify them of the crash. The insurer will ask you some questions about the accident and your policy, such as your policy number and the date and time of the accident. You will also need to provide details about the collision, such as the damage to the car, any injuries sustained, and the names of the drivers involved. Your insurance company’s representative will guide you through the next steps of the claims process.

3. Provide All Necessary Documentation

After you’ve contacted your insurance company, you will have to provide evidence to support your insurance claim. These may include photos of the accident scene and the damage to your car, a copy of the police report (if the police were called), witness statements, and any medical reports from injuries sustained from the accident. The more evidence you provide, the more likely it is that your insurer will approve your claim. The claims adjuster assigned to your case will determine the extent of the damage to your car, how much it would cost to repair it and who is at fault for the accident. They will also review your policy to see what coverage you have and how much you are entitled to in the event of an accident.

4. Wait For Your Claim To Be Resolved

After you’ve provided the necessary documentation, your insurance company may send a claims adjuster to inspect the damage to your car. The claims adjuster will look at the damage to determine the total cost of repairs and determine if the claim is within policy parameters. Then, a decision will be made on whether your claim will be approved or denied. If your claim is approved, the insurer will pay for the costs of the repair and other expenses related to the accident, such as medical bills. This can be a lengthy process that can take several weeks or even months, depending on the extent of the damage.

5. Stay In Contact With Your Insurance Company

Throughout the process, it is important to stay in touch with your insurance company and follow up regularly on the status of your claim. If you feel that the insurer is not handling your claim efficiently or fairly, you can file a complaint with the state insurance department to escalate your case. It is also a good idea to review your policy and make sure you understand what it covers and what it does not. By doing so, you can avoid any disputes with your insurer later on.


Dealing with insurance claims can be a stressful and time-consuming process. However, by following these steps and staying in contact with your insurance company, you can ensure that your claim is handled efficiently and fairly, and receive the compensation you are entitled to. Remember, should you encounter any problems throughout the process, don’t hesitate to reach out to your state insurance department for guidance.

Repairing a Smashed Car: DIY vs Professional

car crash

So you’ve been in a car accident and your car is smashed up. What now? Do you attempt to repair it yourself or do you take it to a professional? Many people may be inclined to take the DIY route in order to save money, but is it really the best decision?

1. DIY Repairs

DIY repair

Unless you have experience in car repairs, attempting to fix your car on your own can be a daunting task. Before embarking on a DIY repair, do your research and make sure that you have the right tools, parts, and knowledge to complete the job. There are many online tutorials and manuals that you can find to guide you through the process. Keep in mind that if you make an error during the repair process, it could lead to serious consequences, such as improper functioning of the car or even an accident.

2. Professional Repairs

car repair

Taking your car to a professional is generally the safest choice. Auto-body shops have experienced technicians who are trained to fix various types of car damage, including smashed cars. They have access to the right tools, equipment, and parts to get the job done right. They also have insurance to cover any damages or injuries that may occur while repairing your car.

3. Pros and Cons of DIY Repairs

diy repair

The main advantage of DIY repairs is cost savings. Doing repairs yourself can save you a significant amount of money, as you won’t have to pay for labor costs, which can be expensive. In addition, you have the satisfaction of knowing that you did the work yourself. However, the disadvantages of DIY repairs outweigh the advantages. If you don’t have the experience or knowledge to complete the job properly, you could end up causing more damage or injuring yourself. In addition, DIY repairs can take longer to finish than professional ones, which means that you’ll be without a car for a longer period of time.

4. Pros and Cons of Professional Repairs

professional repair

Professional repairs are the best option for most people. The main advantage of professional repairs is the quality of work. Auto-body shops have the right tools, equipment, and experience to repair your car safely and efficiently. They also have access to the latest technology, which can help them diagnose and fix issues that you may not be able to detect. In addition, professional repairs are guaranteed, which can give you peace of mind knowing that you’re covered if something goes wrong. The main disadvantage of professional repairs is cost. Professional repairs can be expensive, especially if your car has sustained significant damage. However, keep in mind that the cost of repairs often outweighs the cost of replacing your car altogether.


car accident

When it comes to repairing a smashed car, the best option is to take your car to a professional. Although DIY repairs can save you money, the risks are often too high. Professional repairs may be expensive, but the quality of work, safety, and peace of mind are well worth the cost. Remember, in the end, your safety and the safety of others on the road are the most important factors to consider.

Preventing a Smashed Car in the Future

Preventing a Smashed Car in the Future

Car accidents are quite common, and most accidents result in smashed cars. One of the most important things to remember when driving is to always be cautious and alert. However, there are other things that drivers can do to prevent smashed cars in the future. Here are some essential tips for drivers to ensure that their cars remain in good condition:

1. Keep a Safe Distance

Keep a Safe Distance

It is essential to keep a safe distance from other vehicles on the road. This will provide you with enough time to react and avoid an accident if needed. Always maintain a safe distance of at least two seconds or more from the car in front of you. This will increase the chance of avoiding a rear-end collision if the car in front slams on their brakes suddenly.

2. Follow Traffic Rules and Regulations

Follow Traffic Rules and Regulations

Be sure to follow traffic rules and regulations at all times, including speed limits, stop signs, and traffic lights. These rules are in place for your safety, and breaking them can result in fines or accidents. Always be aware of the traffic rules and follow them religiously.

3. Keep Your Car Maintained Regularly

Keep Your Car Maintained Regularly

Regular maintenance of your car is necessary to keep it in good condition and running smoothly. Change the oil in your car regularly, maintain tire pressure, and replace worn-out parts as needed. Proper maintenance is essential for your safety and will prevent a smashed car as well as expensive repairs in the future.

4. Keep Your Focus on the Road

Keep Your Focus on the Road

It is essential to keep your focus on the road while driving. Stay alert, avoid using your phone, eating, or doing anything that may distract you from driving. Keep your attention solely on the road to prevent an accident and a smashed car.

5. Avoid Driving Under the Influence

Avoid Driving Under the Influence

Driving under the influence of drugs or alcohol is dangerous, and it can lead to severe accidents resulting in smashed cars, injuries, or fatalities. It is best to avoid driving if you have consumed any level of alcohol or drugs. Use a designated driver, public transportation, or ride-sharing services if you need to go out and have a drink.

As a driver, it is your responsibility to ensure your safety and the safety of other drivers on the road. Following these tips to prevent a smashed car is essential for safe and responsible driving. Stay alert, be cautious, follow traffic rules and regulations, and keep your car in good condition. By doing so, both you and your car would remain safe in the future.

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