German engineering is the opposite of flimsiness. That’s why getting into an accident doesn’t cross the minds of many BMW owners. When they do, they can be unprepared and not know what to do.
It’s natural to be disoriented after a car crash, but knowing how to handle the situation can help you collect yourself and prevent things from going bad to worse. Follow these steps if you wreck your Bimmer.
Make Sure You’re OK
Prioritize the health and safety of everyone in the vehicle over everything else. Look for cuts, swelling, burns, bleeding and other visible injuries. Watch for signs of nausea, such as dizziness and the urge to throw up, as these suggest an internal injury. Move only if you confirm you’re not nauseated.
If you’re mobile, see if you feel pain when you move. Touch every part of your body from head to toe to find anything aching that may necessitate prompt medical intervention. Spinal damage may cause numbness and tingling sensations, meriting immediate medical attention.
The adrenaline rush may mask injury symptoms, though. Determining whether you’re hurt immediately after a vehicular accident can be challenging.
Call 911 for medical assistance if someone is injured. If no one is physically impaired, stay calm and get yourselves to safety. Get out of the Bimmer and go to the side of the road. Maintain a reasonable distance from the vehicle to avoid harm if it catches fire and explodes.
If the vehicle damage is minor, move your operable Bimmer to a safer location. Doing so clears the road for other motorists and safeguards the car from further damage, especially in a busy area.
Contact the Police
Notify the authorities about the incident. The investigating officer documents the event and may offer an opinion on how the crash might have happened. The officer drafts a police report, representing an unbiased account of the accident. This official document contains facts and insights, including witness identity and statements, that your insurer needs when investigating what happened to approve or deny a claim.
A police report is helpful but not mandatory. You can file a successful claim without it, especially if you wreck your Bimmer alone. Still, having a copy of it may help ensure your car insurer covers emergency auto repairs accordingly. It supplements any photos of the wreck you take after the accident, lending more context and credence to the evidence you gathered.
Obtain a copy of the police report from the local law enforcement agency’s traffic department. Its identification number should be on the receipt the investigating officer gives you before leaving the accident scene. This request generally comes with an administrative fee.
File an Insurance Claim
Inform your car insurance provider about your loss as soon as possible, and cooperate with its investigation. It allows your insurer to handle your claim more efficiently. Failing to do so may prevent you from getting paid for many reasons.
Prompt reporting may be a policy requirement. It enables your insurance carrier to act swiftly and collect accurate evidence about the incident. Car insurance companies use accident information for risk assessment to calculate premiums correctly. Your insurer may penalize you by voiding your policy, making it more difficult and more expensive to get insured in the future.

Locate the Nearest Repair Shop
Find an auto repair center to get your Bimmer fixed. Most advise against driving your vehicle after an accident, so use a towing service, which shops typically offer.
Decide between a dealer and an independent auto repair shop. The BMW community hasn’t reached a consensus on which option is superior, as each has unique advantages.
Many say go to a dealership for warrantied repairs. If your Bimmer is under warranty, you can pay an up-front cost to extend the original term and save cash on expensive repairs in future services. Read the fine print because extended warranties may have limitations, so understand what remains covered and what is not to set your expectations.
Others, especially those not paying for a luxury insurance policy for higher coverage limits, prefer independent shops to save on labor. Good and bad apples exist on either side of the aisle.
Moreover, your car insurance company may recommend some auto repair shops, but you’re under no obligation to use any of them. These referrals may come with strings attached, which can be a discount for the insurer in exchange for business for the mechanic.
The safest option is using BMW’s Certified Collision Repair Centers network. These centers can be dealer-owned or independent, but the German luxury automaker approves them all. They meet the brand’s high standards for performing acceptable repair techniques, using state-of-the-art technology and installing genuine parts.
Regardless of your decision, exercise due diligence and use your best judgment to determine which option makes more sense for you.
Mitigate the Effects of a Bimmer Accident
Nothing can ever prepare you for a vehicular crash, but knowing what to do next can reduce its negative impact on your life. Remember these tips if you find yourself in this nerve-wracking situation.