Accident & Insurance FAQs
Here's what to do:
- Stay calm and be safe.
- Make sure everyone is OK.
- Contact the authorities, even if it's a "small" accident.
- Ask the other driver for their name and contact information.
- Exchange insurance information with the other driver.
If possible, take pictures of your vehicle, the other vehicle and any details. Get the contact information from any witnesses present that may have offered help.
If you can't drive it, call us so that we can provide efficient towing at 301-423-2200.
Passport Collision will collaborate with you and your insurance company to repair your vehicle to your manufacture's stringent guidelines, secure alternative transportation and minimize your downtime.
Accidents happen in the Washington DC area, especially on I95, I295, I495 in Maryland, Virginia and DC. Let us take some of the pressure off by providing quality customer service and work so you’re back on the road safely again.
The laws vary by state, but most require basic liability coverage. States want to be sure that motorists have some financial backing in the event of a collision or any insurance-related incident. Most states require insurance to operate a vehicle in any circumstance, but there are a few exceptions:
Tennessee and Wisconsin do not require liability but legally expect drivers to prove adequate "financial responsibility" in the event of a collision. (Source: TN, WI DMV websites)
New Hampshire initially requires no insurance but does temporarily after a collision. (Source: NH DMV website)
Virginia is a rare exception, allowing a driver to pay a $500 Uninsured Motor Vehicle fee to legally operate without insurance at his/her own risk. However, the fee expires with the registration and must be renewed. Drivers in Virginia opting for insurance must meet the state's minimum coverage. (Source: VA DMV website; //www.dmv.virginia.gov/webdoc/citizen/vehicles/insurance.asp)
- Personal information -name, address, date of birth, gender, marital status, home ownership status, employment, education, credit history, membership status to various organizations, social security number (in some cases), age at which a driver's license was first obtained and very importantly, your driving record.
- Family information -other primary drivers, other occasional drivers and their driving histories.
- Vehicle information -year, make, model, primary use (pleasure/work), how often the vehicle is driven to work or school, business use of the vehicle, how long you've owned the vehicle, factory safety equipment, presence of an alarm/immobilizer system, expected annual mileage and zip code at which the vehicle is normally parked.
- Previous insurance information -name of previous insurer, length of previous insurance, lapses in insurance, previous liability limits and other coverage.
- Previous insurance claims, accidents and moving violations -essentially an elaboration on your driving record, including dates and severity of the events and costs of repair.
- Desired coverage -limits on liability and whether or not comprehensive and collision are chosen.
Keep a clean record
Some insurers offer a discount to drivers who consistently prove to be safe drivers by not receiving moving violations or being involved in accidents. At the least, keeping a clean record will prevent extra surcharges from being added to your premium.
Maintain consistent coverage
Customers who do not lapse in their insurance often receive a better premium when applying for new coverage.
Take a defensive driving course
Drivers who participate in official courses in defensive driving may see reductions in their rates, especially if accidents or moving violations appear on their driving records.
Take a Driver Improvement course
For drivers over 55 years of age, these refresher courses can improve skills while reducing rates.
Choose a suitable vehicle
Certain vehicles are cheaper to insure depending on their characteristics. A basic Volvo and a powerful Chevrolet Corvette are likely to have very different rates.
Passport Collision Center
4725 Auth PlaceSuitland, MD 20746
Collision Center | ||
Day | Open | Closed |
Monday | 7:30AM | 6:00PM |
Tuesday | 7:30AM | 6:00PM |
Wednesday | 7:30AM | 6:00PM |
Thursday | 7:30AM | 6:00PM |
Friday | 7:30AM | 6:00PM |
Saturday | Closed | Closed |
Sunday | Closed | Closed |