Category: Accident

How Long Do you Have to Report a Car Accident?

People do not plan to be involved in car accidents, but they sometimes happen unexpectedly. Whether you are at fault or not for an accident, you will have to deal with multiple things following it. Dealing with the aftermath of a motor vehicle accident can be a real headache for most people. If you suffered injuries in your accident, your first priority should be to seek prompt medical care. After you have sought medical care, you will then need to complete several other steps that are time-dependent, including filing an accident report and potentially filing a lawsuit. At Elmer’s Auto Body, we can work with you and your insurance company to repair your car while you attend to the other tasks that you will have to handle that are accident-related. In this article, we will provide you with some information about the steps that you should take, the timing of filing different documents and claims, and when you should complete different actions after your car accident.

Reporting a car accident

After a minor accident, you might not want to report it. However, there are few situations in which a report is unnecessary. Under New Jersey law, you must report any accident in which the damage exceeds $500 by filing an accident report with the state. However, if the damage was very minor, and no one was injured, you might not want to report an accident to your insurance company. In that situation, the damage may be less than your deductible. Your insurance company might also react by raising your insurance premiums. Low-speed crashes that have damage that appears minor may sometimes cost more than you might think.

If you cause damage to someone else’s property in an accident for which you were at fault, you should report it to your insurance company. This applies even if your accident was a single-vehicle accident. For example, if you glance down at your cell phone and run off of the road and run over someone’s mailbox, you will need to report your accident to the property owner and your insurance company. Even if your accident was not your fault, you still might want to call your insurance company.

How long do you have to report an accident?

If you are involved in a collision with another driver, you should call the police to report it from the scene. You should never leave the scene of an accident before help arrives. If you do, you could be charged with leaving the scene of an accident even if it was not your fault.

New Jersey requires people to file accident reports with the state within 10 days of when their accidents occurred. This report must be filed for any accident that results in damage of more than $500 or an injury or fatality.

For reporting an accident with another vehicle to your insurance company, you should do so as soon as possible. You may report the accident from the scene. A majority of insurance companies have 24-hour accident report numbers and mobile apps that you can use to report an accident. If your accident only involved your vehicle, you might want to wait to call your insurance company until you have had a chance to review your policy so that you can make a better decision about whether to report it to your company. Many companies have requirements for their policyholders to file claims within a specific time after an accident. You will need to check your policy or ask your insurance agent about this requirement.

Statute of limitations for filing a car accident lawsuit

Most car accidents will not lead to lawsuits. However, if you were seriously injured in an accident that was caused by someone else, you may need to file a lawsuit to ensure that the insurance company will provide you with sufficient compensation to pay for your losses. All of the states have statutes of limitations for filing lawsuits. These are legal time periods for when you must file a lawsuit. If you fail to file your lawsuit within the prescribed time, you will lose your right to file a lawsuit to recover damages in the future. In New Jersey, the statute of limitations for filing a personal injury lawsuit is two years from the date of your injury. Since accidents must be thoroughly investigated to build a strong personal injury case, it is best to consult with a personal injury lawyer as soon as possible after your injury accident to provide him or her with plenty of time to build a case for you.

There are also different time limits for different types of lawsuits. For example, if your insurance company engages in bad faith practices when handling your claim such as unreasonably dragging it out or refusing to pay your valid claim, you may file a bad faith insurance claim. The statute of limitations in New Jersey for bad faith insurance claims is six years. However, many insurance companies include limitations in their policies to limit the time to file a bad faith insurance lawsuit. You will want to check your policy to see if this type of time limit is included in your policy.

Getting help

After an accident, you will have many things to deal with. Whether or not you were injured, you may have to also deal with car repairs. In many cases, it is possible to settle the property damage portion of your insurance claim while the injury portion is still being negotiated. Elmer’s Auto Body has decades of experience helping people to get the repairs that they need to their vehicles after car accidents. We can work with your insurance company to make certain that your vehicle will be restored to the condition it was in before your accident. To learn more or to schedule a repair estimate, contact us today by filling out our online contact form or calling one of our three New Jersey locations.

How To Avoid Blind Spot Accidents

When driving day to day, we all see our fair share of accidents. Depending on how busy the area is, and how populous, these of course increase. Sometimes, it’s weather-related. There are a lot of accidents in wintery weather for example, but often, you see a lot of these in fair weather.

Mistakes can be made, and negligence can get the best of even the most careful person over enough time. Surely, though, this can’t account for how many accidents we see throughout a month or year, could can it? Well, in the most direct sense, no, but in a broader sense, yes. Negligence in the way of preventing blind spot issues is one of the biggest contribution to the number of accidents that tend to happen. A lot of these are the less fatal accidents, though serious accidents can indeed occur as well.

Today, we’re going to take the power out of blind spots by properly understanding them, and learning how to mostly overcome them.

Special Mention: New Technologies

Before we get into what causes blind spots and how to prevent them in more conventional ways, new technologies do merit a mention for their inevitable elimination of this issue altogether in the not-so-distant future.
We live in an age where cameras being integrated into dash displays make for far safer backing up, parallel parking and other risky maneuvers. This technology is already aiding in blind spot prevention in some makes and models of vehicle, and will almost certainly become a standard by the end of the next decade.

For now, though, we need to understand how to prevent this problem the old fashioned way, because a lot of accidents could happen before this tech becomes a prerequisite!

How Blind Spots Work

So, what exactly causes blind spots? The problem is that there exist directions where a driver just can’t entirely see. Without the technology mentioned above, or the car somehow being completely transparent material, there will be areas in the rear to your left and right you will not be able to see properly.

The problem is that you may not be able to see vehicles pulling out, merging into traffic, or occupying adjacent lanes you want to cross over into. This results in side swiping, vehicles cutting one another off and being rear-ended, and a slew of other unpleasant events where drivers think they’re entering a wide open space that … isn’t so wide nor open.

Reducing Blind Spots

Believe it or not, reducing blind spots isn’t that hard to do, and just involves some proper mirror alignment, and some attentive driving practices (ones we were taught, but abandoned in complacency).
First, your mirrors. Your side mirrors should frame the rear side window of your vehicle in the corner, which will give you more of an external view. Your rear view mirror should perfectly center the rear back window of your car which, combined with the newly-aligned side mirror views, will give you a significantly-improved sense of the space to the side and behind you. You will still have a little bit of questionable space, and judging just how close adjacent lane traffic really is, can still be a little tricky, however.

When driving, you will want to inspect the lane through your window if possible, before pulling over into it. If the weather permits leaning a bit out of the window (albeit not ridiculously so) to get a fleeting but unfettered view of the lane, do so. Do not rely solely on your rear view or side mirrors if possible. It’s also best to give some time after turning your signal on, to be sure anyone aware they’re in the way passes you or slows down to become visible from behind, and invite you into the lane in front of them. Impatience is a killer on the road.

Blind Spot Accidents

So, what kind of accidents are you at risk of, if you don’t take the appropriate measures? Here are just a few of the nastier ones:

Neck and back injuries.
Glass-related injuries.
Ejections.
Whiplash and wrist injuries.
Seatbelt-induced injuries.
Concussions.

Depending on what happens in an accident, of course, things can go from bad to worse, involving running off the road, more vehicles in a pile up, the sky is the limit. Don’t take the risk – adjust your mirrors and change lanes with proper care! To learn more safe driving practices like these, fill out our contact form today!

Should I Get Multiple Estimates for Car Repairs?

After your car has been damaged in an accident, you may believe that you are required to get three or more estimates. Your insurance company may then require you to go to the shop that gives you the lowest estimate. Sometimes the auto body shop and the insurance company have worked out deals where they use cheaper products in order to save the insurance company money. The fact is, in New Jersey, you have the right to take your car to the shop you choose regardless of which offers the lowest price. There are situations when getting multiple estimates may be helpful and these tips can help you determine if it is necessary.

When to Get Multiple Estimates

If you don’t have a relationship with an auto body shop, getting more than one estimate is not necessarily a bad thing. However, there is no need to get three or four estimates in order to get an average cost to repair your car. In fact, getting too many estimates could delay getting your car repaired and will take up a significant amount of your time. One reason to get an additional estimate may be because the first estimate you got seems excessively high or extremely low. In that case, you may want to get what is essentially a second opinion.

What is an Estimate?

An estimate is simply a rough total of what the auto shop believes it will cost to fix your car without disassembling the vehicle completely. The best way to describe an estimate is as a “best guess.” Estimates are notoriously inaccurate at predicting the actual final cost. When you get more than one estimate, each shop uses a different method for determining the cost of repairs. One may provide a quote that covers fixing a damaged part while another may include total replacement of the part. In addition, the lowest estimate is not necessarily the best option as the shop may use inferior parts, may not take the steps to match paint properly or may cut corners to get the repair completed at the low price.

Other Factors

A good repair estimate should factor in the quality of the paint as well as good parts. It should include the number of hours it will take to get your car fixed right the first time. It should provide a general idea of what it will take to get your car back on the road. However, a technician cannot accurately predict the cost of a repair until they begin working on it. Additional damage could be discovered after they remove body panels and other damaged parts. At that time, they should contact you to let you know of any additional parts or labor that will be required. You can then notify your insurance company who may agree to the higher cost of the repair if the shop can demonstrate the additional costs are necessary.

OEM Parts

Original Equipment Parts (OEM) are those that were used in your vehicle by the manufacturer. There are cases when a repair shop will have to use non-OEM parts. If your car is older, OEM parts may no longer be available and, in some cases, there is very little difference between OEM and non-OEM parts. In New Jersey, the repair shop must list non-OEM parts as part of the estimate. In addition, the non-OEM part must be sufficiently and permanently identified on the part. It must also be visible after the part is installed if at all possible. Non-OEM parts must be at least equal to OEM parts and must come with a warranty of reasonable duration and coverage.

Choosing the Right Shop

It may be tempting to simply take your car to a chain auto body repair recommended by the insurance company. Keep in mind that many insurance companies have negotiated lower prices with some of these shops who often use lower quality parts and cheaper paints in order to get your car fixed faster and at less cost. This boosts the bottom line of the insurance company but provides you with a repair that may be inferior to a local body shop.

When you bring your car into Elmer’s Auto Body for an estimate, we work as hard as possible to give you a repair cost that will be as close as possible to the final bill. We will inspect your car to be sure that when you leave our shop, you will be driving in the safest car possible. If your car has been damaged in a collision, schedule an appointment today with Elmer’s Auto Body by calling or filling out the easy online form.

Facts vs Myth: DIY Ways On How To Get Dents Out Of Your Car

Car dents can seem to appear from nowhere. In some cases, you know what happened, like when your son opened the back door too fast and hit the parking meter on the sidewalk or your daughter rode her bicycle into the driver’s side door when she wasn’t paying attention. But what about that mysterious ding on the front fender that wasn’t there when you went into the mall? Did a grocery cart roll into the back door last week? Who sat on the hood and made the indent near the grill? A quick search online will give you many options for fixing dents themselves. Learn whether these tips are fact or fiction.

Hair Dryer and Compressed Air

One method described online is describes using a hair dryer to heat up the dent until it is too hot to touch and then quickly cooling it with compressed air. This method will not work on modern cars as most use a combination of metal and plastic on side panels and bumpers. A hair dryer cannot create enough heat to soften the metal and allow it to pop into place.

Wet Sponge and Plunger

According to online sources, you can drench the dent with a wet sponge soaked with water then use a cup plunger over the dent and apply pressure to pop the dent. Surprisingly, this method actually works on rounded dents and smaller dings. Applying a small amount of heat to the metal and then using the plunger may also work.

Suction Tools

Small suction tools can be purchased online for under $10 but some online sources claim you can use almost any type of suction tool, including a GoPro camera mount. This process works similar to the plunger, suggesting that you wet the surface and apply the tool. Like the plunger tip, this process can also work for small dents or dings.

Dry Ice

Internet sources claim that dry ice, which is frozen carbon dioxide, can be used to fix a dent. Heat the dent until it is too hot to touch. Protect your hands with gloves and wrap the dry ice in a towel. Rub the dry ice on the dent for about 15 minutes and the dent will pop into place. This is false information. Even if the dent appears to improve, as soon as the area returns to the outside temperature, it will reappear again.

Boiling Water

If you have discovered a dent in your plastic bumper, one internet method suggests pouring boiling water on the dent and surrounding area. You then reach under the bumper and push the dent out with your hands. This method actually works as the hot water softens the plastic so it can be pushed back into place.

The bottom line is that, although you may be able to repair a small dent yourself, some of these methods can actually cause more damage to your car. The surface can be damaged and mini creases can appear in the area surrounding the dent. Instead, schedule an appointment with Elmer’s Auto Body by calling or filling out the easy form online to have your dent repaired professionally and correctly.

What Happens When My Airbags Deploy?

Most modern cars are equipped with airbags and many have them located throughout the car. An airbag is known as a passive restraint as they deploy without the driver or passenger having to do anything. This is unlike a seatbelt that must be buckled by the person in the seat. Some cars do have a disarming mechanism for safety reasons. Airbags can be dangerous for small children so if you cannot put a child in the backseat, you may want to deactivate the airbag temporarily.

How Do Airbags Work?

An airbag is more than just the part that deploys. It is an entire system of sensors, a control module and the airbag itself. Sensors are located in various places in your vehicle that are commonly compromised when you have an accident. The sensors also monitor wheel speed sensors and data from the accelerometers plus other areas of the car. If the sensors receive certain information, they tell the airbag to deploy.

Where are the Airbags?

Airbags can be located in the dash, steering wheel, seats, door frames and other areas of the car. Initiator devices light chemical propellants to deploy the airbag when the sensors receive certain signals. When the propellant is ignited, the bag fills with nitrogen gas to force it from where it is stored. The entire process from ignition to deflation of the airbag can take less than 30 seconds. Once your airbag has deployed once, it must be replaced as all of the propellant is used to inflate the bag one time.

How Safe Are Airbags?

According to the National Highway Safety Administration, airbags deployed approximately 3.3 million times between 1990 and 2000. NHTSA estimated that more than 6,000 lives were saved by the deployment of airbags. However, they are activated by a chemical explosion and they inflate very fast. There have been instances where people were injured or killed by airbags, especially small children. In the time studied by NHTSA, 175 people died and many injured by airbag deployment. For this reason, children under the age of 13 should not be placed in the front seat of a car with an airbag. Passengers should not place their feet on the dash nor should they place objects between them and the airbag.

Changes in Airbag Technology

Airbags were first patented in 1951 but they did not become standard in vehicles in the United States until 1985. Although the basic principle is the same as it was in 1985, airbag technology has been refined. Today, there are “smart airbags” that inflate with less force if conditions are right, making them safer than older models. Newer systems also include a variety of airbags in other areas of the car to add more injury protection.

If your car has been in a collision, contact Elmer’s Auto Body today by calling or filling out the easy form to schedule an appointment.

I Hit A Deer. What Happens Now?

If you have ever had to drive on rural roads, you know that the risk of encountering deer can be pretty high. In fact, more than 1.5 million accidents in the United States are due to someone hitting a deer, sending over 10,000 people to the hospital and killing more than 100 each year.

Avoiding Deer

When driving, if you see a deer on the side of the road, slow down as much as possible. It is very rare that one deer is alone as they usually travel in herds. If one crosses the road, stop and look carefully as others may follow quickly behind. This is especially true if the deer is female as she may have a young doe with her. Deer are nocturnal so it is important to pay more attention at night. This also makes them more difficult to see on dark country roads.

If You Cannot Avoid the Deer

One common myth is that you should speed up so that the hood of your car tilts upward but this is extremely dangerous. If a deer breaks through your windshield, its hooves can kill you or a passenger. Most injuries and fatalities are caused by drivers who try to take evasive action. Apply your brakes firmly, hold the steering wheel and bring your vehicle to a controlled stop as soon as you can. Do not swerve into oncoming traffic or veer off the road where you risk rolling your car or hitting a tree.

If the Deer is Injured

Unless you are absolutely certain the deer is dead, don’t try to move it. Deer have very powerful legs and, if they are injured, will be frightened if you come close. If they kick you, it is possible you will be lying in the road as well. If the deer is moving and you can move your car, place it in front of oncoming traffic with the hazard lights flashing. This will keep other cars from hitting the deer in the road. Call 911. The police will notify the proper authorities to remove the deer and you will receive a police report for insurance purposes.

Can I Keep the Carcass?

If it is not deer season, you must request permission to keep the deer carcass for its meat. Outside of hunting season, contact the authorities even if your car is not damaged. You will need to take it to a processor fairly quickly to be sure the meat remains edible.

If you have been in an accident involving a deer and your vehicle has sustained damage, contact Elmer’s Auto Body today. We will work to get your car back on the road as fast as possible. Schedule an appointment by calling or filling out the easy online form.