Getting in a serious car accident is a very scary thing. There’s nothing you can do to fully prepare yourself for the feeling of being in an accident, so even if you’re injured or completely unscathed, it is likely that you’ll feel pretty nervous and shaky in the moments immediately following a crash.

事故发生后最重要的事情是确保您安全。您应该始终在车前优先考虑自己，因此，如果您对健康和安全有任何疑问，请立即致电救护车。如果您在发生严重事故后没有受到伤害，请继续执行您将在轻微事故。您应该打电话给警察，与任何参与的其他司机共享保险信息，记录现场和对您的汽车的损坏，并与任何在看到事故时停止的证人交谈。

毕竟，是时候照顾您的汽车了。处理潜在的汽车可能会有些痛苦，尤其是如果您像许多人一样对车辆有感性的依恋。值得庆幸的是，处理总车的来龙去脉相对简单明了，因此这不一定很大。

检查您的汽车

如果您的车辆发生了轻微事故，您可以将其带回家，并致电信誉良好的机械师（例如Mymechanic的机械师）来执行万博体育入口comprehensive safety inspection。机械师可以帮助您查看需要修理或更换哪些零件。如果您发生了严重的事故，请直接将汽车送到一家汽车商店，在那里可以审查损坏的程度，并且训练有素的机械师可以决定您的汽车是否总计。

如果您有时间在拖曳车辆之前与您的保险代理联系，则应该这样做。您的保险代理商可以推荐与他们合作的汽车商店，这是将损坏的车辆带到的好地方。另外，如果您通过您的保险代理人处理此过程，他们很可能会称您为他们支付的拖车（否则您必须为此付费，尽管大多数保险公司都会向您报销）。However, if you don’t have time to call your insurance agent (for instance, if your car is in the middle of the freeway and needs to be towed as soon as possible, or if you have to go to the hospital and someone else handles having your vehicle towed), arrange for it to be taken to a nearby auto shop. After you talk to your insurance agent you can determine if that shop will work, or if you need to take it to a new mechanic.

Once your car is at the auto shop, a mechanic will inspect it and determine whether the vehicle is totaled or not. A vehicle is considered totaled if it is a “total loss” – meaning it’s not worth salvaging. Every insurance company has their own definition of what constitutes a total loss, but in general a car is totaled if it is either too damaged to be able to repair, or if the cost of the repairs would be equal to or greater than the value of the repaired vehicle. For instance, if a car was worth $10,000 before an accident, and it would cost $10,000 to repair it after the accident, then it is totaled.

如果机械师和您的保险代理确定车辆总计，则您无法进行保险公司进行维修。相反，它们将支付车辆的费用。

获取价格，并从您的保险代理商那里支票

当您的车辆总计时，您的保险公司将向您付款，他们认为是事故发生前车辆的价值。为了确保您不会被保险公司欺骗，您应该通过访问网站（例如凯利蓝皮书。在您的保险公司决定总共汽车总计之后，他们将告诉您他们的评估价格。如果价格对您来说很公平，请接受；如果您看上去很低，请尝试进行谈判。如果他们不愿进行谈判，请找到一个仲裁员来帮助确定汽车的正确价格。

在您接受保险代理商的拟议价格之后，他们将向您发送总车辆的支票。支票的数量与所评估的车辆相同，加上税收和费用，并减去可扣除额。

If you are still making payments on your car, then the insurance company will pay the lender the remaining price left on your payment and will send you what is left over. If the insurance payment is less than the amount that you owe on the vehicle, then you will be responsible for covering the difference (unless you purchased gap insurance from your financing company, in which case they will cover the difference).

If your totaled vehicle was being leased, then your insurance company will pay the leasing company. You will not be responsible for any charges, but you will also not receive any of the insurance money.

Once your vehicle has been taken to the auto shop, you don’t have to deal with it anymore; the shop and your insurance company will handle getting rid of the car. However, if you want to keep your totaled vehicle (for sentimental reasons, or to sell it for parts), you can inquire with your insurance agent about that. In some states, it is illegal to keep a salvaged vehicle, but usually you can keep it (you just can’t drive it on public roads). If you choose to go this route, let your insurance agent know, and make arrangements to have the car delivered to your home. Since insurance companies usually sell totaled vehicles, they will subtract the amount for which they believe they could sell the car from the amount that they will pay you.

回到路上

总共有车后，大概您会想回到路上。在您的事故和新车购买之间，您可能需要租车才能通勤。如果您有保险公司的租金偿还覆盖范围，请与他们联系，他们会在您处理购买汽车时为您提供礼貌的租车。

如果您打算租车，请不要取消保险，这一点非常重要。即使您的汽车总计，如果您在驾驶另一辆车时发生事故，您的保险也将覆盖您。您将无法在没有被保险驾驶员的情况下租车。

如果您不租车 - 或者在租用一辆车后，请在收取额外的钱之前从保险单中删除总车。但是，在致电保险公司之前，请确保不再以您的名字注册的车辆注册。

在您的汽车已从您的保险单中删除后，是时候购买新车并将其放入您的保单上了。如果您需要帮助在购买新车时对购买决定有信心万博体育入口购买前检查为你。