So, you just got in a fender bender in your leased vehicle. What do you do now? Is it different than if it’s a vehicle you own?
First off, make sure you are in as safe a location as possible and call 911 and report it to the police. Do this even it’s a minor incident, no matter whose fault it is. Police reports will help you establish facts and resolve disputes. Insurance companies want police reports and it will make the process smoother if you have official descriptions of the accident.
Next, call your insurance company. Hopefully, you have appropriate insurance so you’re not out of luck even if the other driver was uninsured or underinsured. Your insurer can get involved in the process even if it wasn’t your fault.
Third, call the lease finance company, especially if the vehicle is totaled. It’s their vehicle, after all. They’ll want to know what’s up and expect a call from an insurance company. Most leasing agreements carry GAP insurance, meaning insurance pays the leasing company the difference between the “totaled” amount and market value. The money doesn’t go to you but ensures you won’t owe extra.
The last step is probably the most important. Take your vehicle to a repair facility that will return your vehicle in like-new condition. Make sure they use OEM parts, not cheap aftermarket replacements or junkyard parts. You will be charged for repairs that don’t meet OEM standards to restore your vehicle to acceptable condition.
At Cline Collision Center, we will put your vehicle back into pre-collision shape. As a Gold Class certified shop, you can feel confident knowing that we only use OEM parts and hold ourselves to incredibly high standards. Our ASE certification lets you know we stay up with all of the latest developments, offering a full slate of state-of-the-art autobody services, from dent removal to high-end painting and auto detailing. Contact us online or call us at 707-591-9909 if your car is in an accident, leased or not. You’ll be happy you took all the right steps!