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Infographics: What to do in Car accident?

I've Been In a Car Accident: NOW WHAT? When dealing with life, even the best of drivers are not immune to accidents. Road con- ditions, bad weather, hazards, and distracted drivers cause accidents every day. Every day. thousands of people are injured and even lose their lives due to automobile accidents. All states necessitate motorists to be covered in such events. Those who are not covered under an insurance policy, risk losing their authorization to drive, paying hefty fines, in addition to possibly going to jail. Every insurance policy is different. There are two basic options: full coverage and liabili- ty policy. It is always best to have a full-coverage policy. Full coverage policies will cover you and any additional vehicles should an altercation occur. Additionally, most institutions will require the higher levels of coverage when a lien is on the vehicle. A liability policy is for older vehicles that do not have a lien on them. These types of policies will only cover the other car. They do not pay expenses needed for your car. Liability is much more cost effective than full coverage. A full-coverage policy is usually double that of a liability one. Ask for quotes for both if in doubt. The full coverage policies require perks that other don't. Most varies based on the insurance provider. For emergencies, such as an accident, be sure to keep your insur- ance information accessible. If and when an incident occurs, there are some things that need to be done, they are as follows: MAKE SURE EVERYONE IS OKAY First and foremost in an accident, you want to make sure everyone is okay. Check passengers in your car and the car of the other driver. Call 9-1-1 if anyone is hurt and needs medical atten- tion. Meanwhile, try to stay calm. If someone is injured, be sure you don't move them. When you move someone and there is a back or neck injury, you could cause further damage. Accidents are stress- ful, and the other party may want you to admit fault or vice versa. Try not to have any heated altercations with the other party. While frustrations are running high, you don't want to make matters worse. Fighting isn't going to solve anything anyway. EXCHANGE INFORMATION BETWEEN BOTH PARTIES The law necessitates that the driver of the accident share information with the other driver. Though you may be reluctant, give them your name, address and phone number. You also need to be sure to write down the make and model of their car. Their license number will also be helpful, as is the time of day and any inclement weather, which many also be the cause of the altercation. Ask around and see if there are any witnesses. Sometimes people will stop to offer their assistance. Get a signed statement from them. Never admit fault regardless of who is to blame. The responsibility will be based on the report and witness testimonies. GET A POLICE REPORT Once the proper information has been exchanged, the police must be called in to assess the situation. It is easiest to call 9-1-1 so that they will quickly get an officer out to assist you. While giving the detailed report to the officer, be sure to mention any witnesses and also any other pertinent information. In the case where no one was hurt in the incident, and it is just a small fender bender, then you can just call and make a report over the phone in some areas. The report will be assigned a number, and the number, along with other information, is what you give to the insurance agent for pro- cessing of your claim. TAKE PICTURES Today's generation loves to take pictures. Thankfully, it seems most people have a cell phone and can eagerly snap pictures at their leisure. When an altercation occurs, it is imperative to get lots of pictures. Take pictures of the damage done to vehicles, any infor- mation that is exchanged and also the license's plate of the other car. These pictures will be submitted with any witness statements to the insurance company. Additionally, if one or the other party moves their cars out of the way of traffic, the officer can use these pictures to see how the cars were sitting and who is really at fault. You can never take too many pictures when they are needed for protection. WILL THE VEHICLES NEED TO BE TOWED If and when an auto is not safe, it will be towed to a facility that can assess the damages. Most policies will cover the towing cost; however, you will need to check your specific policy. Before the tow truck arrives, take anything of value out of your car. The tow company will need the keys to the car, so make sure to take off your house keys and any other keys that you need while your car is being serviced. While you're waiting, make sure you have a friend or family member ready to pick you up. Tow companies typically don't give people rides, so someone will have to assist. If medical care is needed, you can call the squad or have someone take you to the hospital. MAKE CONTACT WITH YOUR INSURANCE COMPANY Whenever an accident occurs, it is always wise to contact the insurance agent quickly. Have all the information together before you make this call. All insurance companies have a 24-hour report- ing line for you to utilize. They may ask you to email or fax over per- tinent information that you gathered at the scene. Don't worry; this is a completely natural part of the claims process. They need all the documentation they can to process the claim. SCHEDULE AN INSPECTION When you're talking with your insurance agent, they will want an appraisal. Some companies want three assessments to ensure that they are paying a fair claim. Some companies will cut the check to you; others will work with a repair facility within your area. If the car is drive-able, this makes the process much easier. When the car can't be driven, things get a bit more complex. The garage will take pictures and write up all the parts needed to fix the car. The esti- mate will be approved or denied. If the car can't be driven, then find a reputable garage to use, and they will have the car towed to the facility. They can usually just include this in the bills so you shouldn't have to worry about that. SPEAK WITH THE INSURANCE ADJUSTER When you're talking with your insurance agent, they will want an appraisal. Some companies want three assessments to ensure that they are paying a fair claim. Some companies will cut the check to you; others will work with a repair facility within your area. If the car is drive-able, this makes the process much easier. When the car can't be driven, things get a bit more complex. The garage will take pictures and write up all the parts needed to fix the car. The esti- mate will be approved or denied. If the car can't be driven, then find a reputable garage to use, and they will have the car towed to the facility. They can usually just include this in the bills so you shouldn't have to worry about that. FOLLOW YOUR CLAIM ON-LINE Since we live in a society that does everything on the internet, you can also track your claim online too. Not only can you pay your bills, chat with an agent and see updates on your policy, but you can also track your claim online. See what is going on and save yourself the trouble and avoid those long phone calls that seem to take forever. Some sites have live agents that are on stand-by and can chat and answer questions for you quickly. DRIVING AGAIN All insurance policies have some deductible. The most common deductibles $500, but it can be as high as $1,500. If you only have liability coverage, you will have to pay some money to have your car fixed. If you have full-coverage protection, a portion will be paid minus your deductible. Make fixed, but you do have some say in the parts they use. Insurance companies will try to use aftermarket parts, or even used ones. You want to make sure your car is returned at the same quality it was that your car before the accident. MY CAR IS A TOTAL LOSS Typically, the insurance company wants to see that you don't exceed 75 percent of the retail value, or they will want to total it out. If it is totaled, they will just pay the book value, and pay it straight to the lien holder if there is one. If it is equal to or more than the amount owed on the car, you will receive a refund check and can use it to purchase another car. However, if the payoff on the car doesn't cover the loan, you will have to pay the lender any addition- al monies to satisfy the loan. Gap insurance is an excellent way to protect yourself from incidents where you may be upside down on your car loan. This often happens with those who have higher inter- est rates. You will be able to drive a rental car for a period, but you will have to buy a new car and secure financing once your car is deemed a total loss. Accident.biz www.accident.biz 855-368-3331

Infographics: What to do in Car accident?

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When dealing with life, even the best of drivers are not immune to accidents. Road conditions, bad weather, hazards, and distracted drivers cause accidents every day. Every day, thousands of people ar...

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