If you are ever in an accident where your car is totaled, the first thing that you should do is get yourself to a hospital. Any accident that is strong enough to make your car useless has the potential to do some serious internal damage to your body. Even if you feel completely fine, it is wise to get a quick check up. In most cases, your car insurance will pay for a visit to the doctor. Once you have a clean bill of health, you can start focusing on the next step of the process. Obviously, you will not have a vehicle any longer, so you will want to begin dealing with your car insurance company. Your insurance company will usually decide if a car is totaled or not, but you do have the right to dispute the case if you believe that the car can be repaired.
If you agree that the car has been written off, you should immediately look at your car insurance policy for possible fees that you will have to pay. Even if the accident was someone else's fault, there is a chance that you will have to pay a fee in order to get a check from your car insurance company. Look over your car insurance policy carefully and set up an appointment with your insurance company as soon as possible. Once they get you in to see them, the entire process will move much more quickly.
If you were at fault for the accident, you will have much more to worry about. For starters, you car insurance rates will rise significantly, as the car insurance company will try to recoup some of the money from you. This is because your insurance is covering not only your own vehicle, but any other damage that was done as well. Do not be overly worried about your car insurance rates increasing, however, as this is only temporary. With a few years of good driving, you can easily get your car insurance policy back to its original rate, as good driving truly does pay off.
Remember to contact your car insurance company right away because the sooner you get the process started, the sooner you will have a new car. Every car insurance policy differs, so make sure that you are aware of how much your deductible is before you visit your insurance company. This deductible will decide how much you have to pay in order for your insurance to kick in and is included in your car insurance rates. Totaling a vehicle is never a pleasant experience, but insurance companies deal with these problems everyday and they will be able to walk you through the entire process.