What to Do if a School Bus Hits Your Parked Car

Discovering that your parked car has been hit by a school bus can be a stressful and overwhelming experience. While it is essential to remain calm, it is equally important to take immediate action. Here are some steps you can follow if you find yourself in this unfortunate situation.

1. Assess the damage: Before taking any further action, carefully inspect your car for damages. Take pictures or videos of the scene, including any visible marks, scratches, or dents caused by the school bus.

2. Call the authorities: Contact the local police or emergency services to report the incident. Provide them with accurate information about the location, time, and description of the accident. It is important to have an official record of the incident for insurance purposes.

3. Gather information: If the bus driver is present, exchange contact information, including their name, phone number, and license plate number. Additionally, gather information from any witnesses who may have seen the accident, such as their names and contact details.

4. Contact your insurance company: Notify your insurance company about the incident as soon as possible. Provide them with all the relevant details, including the police report, pictures of the damage, and the other party’s information. This will help streamline the claims process.

5. Document the incident: Keep a record of all the conversations, emails, and documents related to the accident. This includes correspondence with the bus company, insurance adjusters, and any other parties involved. Having a thorough record will be beneficial if any disputes arise later on.

6. Seek medical attention if necessary: If you or anyone else involved in the accident is injured, seek immediate medical attention. Your health and well-being should always be a top priority.

7. Consult with an attorney: Depending on the severity of the accident and the damages incurred, it may be advisable to consult with a personal injury attorney. They can guide you through the legal process, ensuring your rights are protected and you receive fair compensation.

8. Repair your car: Once you have contacted your insurance company and filed a claim, you can begin the process of repairing your vehicle. Obtain estimates from reputable auto repair shops and keep all receipts and records of the repair process.

9. Follow up with the insurance company: Stay in touch with your insurance company to ensure that your claim is being processed promptly. Communicate any updates or additional information they may require to expedite the process.

10. Consider filing a lawsuit: If you encounter difficulties in reaching a satisfactory resolution with the insurance company or bus company, you may choose to file a lawsuit. Consult with your attorney to determine the best course of action.

FAQs:

1. Will the school bus company be responsible for the damages to my car?
The school bus company may be held liable for the damages caused by their bus. However, it is essential to gather evidence and consult with legal professionals to ensure a fair resolution.

2. Will my insurance rates increase if I file a claim?
Filing a claim for damages caused by a school bus should not automatically result in an increase in your insurance rates. However, it is best to consult with your insurance provider to understand the potential impact on your premiums.

3. How long does it take to resolve a claim?
The duration of the claims process varies depending on various factors, such as the complexity of the case and the cooperation of all parties involved. It is advisable to stay in regular contact with your insurance company for updates.

4. Can I claim compensation for rental car expenses while mine is being repaired?
If your insurance policy covers rental car expenses, you may be eligible for reimbursement. Review your policy or consult with your insurance company to confirm your coverage.

5. Can I choose any repair shop for my car?
In most cases, you are free to choose the repair shop of your preference. However, some insurance policies may have specific guidelines or a list of approved repair shops. Check your policy or consult with your insurance provider for clarification.

6. Can I file a claim if I don’t have collision coverage?
If you do not have collision coverage, you may still be able to file a claim under the school bus company’s insurance policy. Consult with your insurance provider and legal counsel to explore your options.

7. What if the bus driver denies hitting my car?
If the bus driver denies hitting your car, gather evidence such as witness statements, pictures, or any other supporting documentation. Consult with your attorney to discuss your legal options.

8. Can I sue the bus driver personally?
While it is possible to sue the bus driver personally, it is often more effective to pursue a claim against the bus company. This is because companies typically have insurance coverage to handle such incidents.

9. Will I be compensated for any diminished value my car may experience?
Diminished value claims can be complex and vary depending on the jurisdiction and individual circumstances. Consult with your attorney and insurance provider to determine if you are eligible for compensation.

10. What if the bus company denies responsibility for the accident?
If the bus company denies responsibility, consult with your attorney to explore legal options. They can help gather evidence and build a strong case to prove liability.

11. Can I negotiate the settlement amount with the insurance company?
Yes, you can negotiate the settlement amount with the insurance company. It is advisable to consult with an attorney who specializes in personal injury cases to guide you through the negotiation process.

12. Can I claim compensation for emotional distress caused by the accident?
In certain circumstances, you may be able to claim compensation for emotional distress caused by the accident. Consult with your attorney to determine if you have a valid claim and how to proceed.