Drivers Worry Metro's New Crash Policy Will Push Up Rates - 8 News NOW

Drivers Worry Metro's New Crash Policy Will Push Up Rates

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LAS VEGAS -- In a matter of days, Metro Police will no longer respond to non-injury fender bender accidents.

Clark County Sheriff Doug Gillespie says he wants his officers focused on preventing deadly crashes.

"We would like to have more of our officers out there handling enforcement activities to modify driving behavior and reduce fatalities." Capt. Mark Tavarez of Metro's Traffic Bureau said.

It will be up to the drivers involved in crash to exchange personal information, take photos and gather witnesses before putting in claims with their insurance company.

Drivers are worried the new policy will force up their insurance rates. An insurance company says the biggest impact is determining who is at fault in these types of accidents.

"If no witnesses stay, it is going to be a he-said-she-said to the insurance company," insurance agent Kenneth Rezendes said.

That is one reason why the insurance rates could go up along with out of pocket expenses on repair claims, which could also take longer to process.

"We're going to put her at 40 percent at fault and you at 60 percent, and most insurance agency end up paying and it will impact rates for everybody." Rezendes said.

Many drivers aren't happy with this new policy and worry this will only cause more problems.

"Otherwise, you'll have people out there fighting amongst themselves on the street," concerned driver Doug Hughes said.

"People are going to start taking advantage of that when they learn, that the police aren't going to show up at the scene. Then you'll have people running into your vehicle and taking off," driver Arthur Davis said.

Metro says officers will respond to hit-and-run incidents and accidents where one party refuses to provide insurance information.

Insurance agents say if you do get in an accident, the best idea is to document everything.

They say it is vital to remember to get the other person's name, address, phone number, driver's license number, make and model of car and license plate number. Also, get the other driver's insurance information including expiration date on the proof of insurance card.

You have 10 days after an crash to report it to the Department of Motor Vehicles and fill out a form called the SR-1. The form can be downloaded and printed. It must then be sent to your insurance company.

Stick to the facts when you are reporting an wreck and do not take complete ownership of a crash. Even if you believe you were at fault, experts say that typically, no driver is 100 percent at fault for any crash.

Agents also say you should take plenty of pictures and avoid moving your car before you start taking pictures, unless the crash is stopping the flow of traffic.

The final bit of advice is to try to find witnesses, not people who heard the crash or saw the aftermath, but someone who saw the whole thing will be more helpful. Get a witnesses name and phone number, then give that information to our insurance company.

"The more you document things, the more you're able to argue your case with any insurance company as to who was at fault," Rezendes said.

The Nevada Division of Insurance recommends drivers download an app called Wreck Check it runs down everything you need to do if you're in an accident.

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