Common Mistakes Car Owners Make After a Collision (Massachusetts Guide 2026)
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Car accidents happen fast — but the mistakes that follow can cost you for months or even years.
In Massachusetts, where traffic congestion, winter weather, and busy highways increase accident risks, knowing what to do after a crash is just as important as staying safe during one.
Many drivers unknowingly make decisions that lead to higher repair costs, insurance issues, or safety risks. If you’re searching for a trusted auto body shop near you, this guide will help you avoid the most common pitfalls and protect your vehicle.
1. Not Filing a Police Report After a “Minor” Accident
Even if the accident seems small, skipping a police report is a serious mistake.
Why it matters:
- Massachusetts law requires reporting accidents with significant damage or injury
- Hidden damage can easily exceed $1,000
- No report = weak insurance claim support
What to do:
Always call the police and document everything — photos, license plates, and road conditions.
2. Delaying Auto Body Repair
Putting off repairs may seem harmless — but it often makes things worse.
Risks:
- Hidden frame or suspension damage
- Rust due to Massachusetts weather
- Safety systems failing unexpectedly
Smart move:
Visit a certified auto body shop immediately for inspection.
3. Choosing the Cheapest Auto Body Shop
Low prices can sometimes mean low-quality repairs.
What cheap estimates often hide:
- Aftermarket or used parts
- Poor paint matching
- Incomplete repairs
Better approach:
Choose a shop based on certifications, reviews, and transparency — not just price.
4. Letting Insurance Choose Your Repair Shop
Many drivers don’t realize this:
👉 You have the legal right in Massachusetts to choose your own repair shop.
Why it matters:
Insurance-recommended shops may prioritize cost savings over quality.
What to do:
Select a trusted auto body shop near you that works for you, not the insurance company.
5. Ignoring Signs of Frame Damage
Frame damage isn’t always visible — but it’s dangerous.
Warning signs:
- Car pulling to one side
- Uneven tire wear
- Doors not closing properly
- Strange vibrations
Solution:
Always request a professional frame inspection after a collision.
6. Not Understanding Your Insurance Coverage
Massachusetts has unique insurance laws, and many drivers misunderstand them.
Key facts:
- Collision coverage is optional
- Liability does NOT cover your own car
- At-fault driver pays for damages
Tip:
Review your policy before an accident happens — not after.
7. Accepting a Quick Insurance Settlement
Fast cash offers may seem convenient — but they’re often lower than actual repair costs.
Problem:
Hidden damage (sensors, frame, electronics) may not be included.
Best move:
Get a full inspection before accepting any payout.
8. Attempting DIY Repairs or Cheap Fixes
Modern vehicles are highly advanced. DIY repairs can lead to:
- Failed inspections
- Safety risks
- Voided insurance claims
Recommendation:
Always use a licensed and certified auto body repair shop.
9. Not Documenting the Accident Properly
Documentation is your protection.
Always keep:
- Photos of damage
- Police reports
- Insurance communication
- Repair estimates
This helps avoid disputes and supports your claim.
10. Not Following Through on Your Insurance Claim
Ignoring paperwork or deadlines can result in claim denial.
What to do:
- Respond quickly to insurance requests
- Track deadlines
- Keep all records organized
Final Thoughts: Avoid Costly Mistakes After a Collision
A car accident is already stressful — don’t let simple mistakes make it worse.
By taking the right steps, you can:
✔ Protect your safety
✔ Save money
✔ Ensure high-quality repairs
✔ Avoid insurance issues
If you’re searching for a dependable auto body shop near you, always choose experience, certification, and trust.
About SK Auto Body
At SK Auto Body, we believe every vehicle deserves meticulous care and expert repair. With over 25 years of experience, our team is committed to delivering high-quality collision repair services that prioritize safety, precision, and customer satisfaction.
From advanced frame repair and paint matching to full-service auto body restoration, we handle every job with attention to detail and professionalism.
Whether you’ve been in a minor accident or need major collision repair, our team is here to help you get back on the road with confidence.
