What to do after a car accident in Michigan
Start with everyone’s safety. Once immediate needs are handled, these steps can help you document the damage, speak with your insurer, and arrange a repair.
Before authorizing repairs
- You can choose the repair shop. Your insurer may suggest a facility, but the decision is yours.
- Review the written estimate before authorizing repairs. Ask which parts will be repaired or replaced and what types of replacement parts are proposed.
- Ask your insurer to explain coverage, your deductible, and any repair costs that have not been approved.
- Ask whether a repair warranty is offered. If it is, get its terms and exclusions in writing.
Read the Michigan Department of State’s collision repair guide for more about choosing a shop, written estimates, and warranties.
At the scene
If anyone is injured or there is immediate danger, call 911. Follow the dispatcher’s instructions and stay clear of traffic.
When safe, exchange names, contact information, insurance details, and vehicle information. Record the police report number if officers respond.
Take photos of the vehicles and scene only when it is safe. Do not step into traffic or delay getting help to take pictures.
Report the accident and ask how to start your claim. Confirm towing and rental coverage before making arrangements.
Questions drivers ask us
Do I have to use the shop my insurance company recommends?
You can choose where your car is repaired. Your insurer may recommend a shop, but you can ask to use Spanky’s. Coverage and approved repair costs still depend on your policy.
Do I need to get more than one estimate?
Bring any estimate you already have. We’ll inspect your car and prepare our written estimate, then discuss differences with your adjuster. Ask your insurer what documentation it needs for your claim.
What should I ask about warranties?
Ask about any repair warranty before work begins and request the terms in writing. If your car still has a manufacturer warranty, check the applicable terms with the manufacturer or dealer.
How long will my repair take?
Timing depends on the damage, parts availability, and insurance approvals. We explain the expected timeframe and keep you updated as repairs progress.
Do you work with my insurance company?
We work with all major insurance companies. Bring your claim number if you have one. We discuss the estimate and any additional damage with your adjuster.
Can I get a rental car while my vehicle is being repaired?
Ask us about rental availability while your car is being repaired. Your insurer can confirm whether your policy covers a rental and any daily or total limits.
Is the estimate free?
Yes. We prepare free written estimates at the shop with your car present. Stop in during weekday shop hours or call to arrange a time. Saturday is by appointment.
Bringing it to us
Questions about bringing your car in?
Call the shop to discuss the damage and arrange a free in-person estimate.