| The information provided is a guideline to vehicle insurance needs and questions. Please contact us for information about your specific, personal insurance needs . |
|
Definitions of needed coverage
|
| Liability - to cover claims made against you by other people when you are at fault. |
| Accident Benefits - to cover some of your medical expenses, income loss, etc. (regardless of fault) when you are injured in an auto accident. |
| Uninsured Motorist - to cover damage caused by an identified but uninsured driver. |
| Definiftions of Optional coverages include: |
| Collision - to cover damage to your vehicle, generally when you are at fault for an accident. (Collision includes hitting another car, a building, person, etc.) |
| Comprehensive - to cover loss of or damage to your car caused by a vandal, weather, a thief, etc. |
| Loss of Use - to cover a rental vehicle while yours is being repaired. |
|
Frequently Asked Questions
|
| IF YOU HAVE AN ACCIDENT |
| First and foremost, be careful. Many injuries occur to people who have exited their vehicles on busy streets only to be struck by another vehicle. Make the welfare of your family and others involved in the accident your first priority. |
| WHAT IF SOMEONE NEEDS HELP? |
| First, find a way to call for help. Next, if an injured person at the scene requires assistance, do what you can. Most policies will cover expenses related to first aid costs. |
| WHEN DO I CALL THE POLICE? |
| Most jurisdictions suggest that you call the police if anyone is injured or if the damage to the vehicle(s) exceeds a certain dollar figure (commonly $700). |
| WHO SHOULD I TALK TO? |
| Cooperate fully with the police. Feel free to inquire as to the well being of anyone involved in the accident. You shouldn't discuss responsibility for the accident with anyone except the investigating officer. |
| WHAT IF THEY WANT TO TOW MY CAR? |
| The police have the right to impound your car. If they do, ft will be in a locked compound. Tow truck drivers may suggest that they take your car to a specific repair facility, You have the right to direct them to take your car to any shop or location. The choice is YOURS! You insurance will reimburse any reasonable expense incurred. We suggest that you should not sign any document related to the repair of your vehicle until you have had a chance to assess your options, At a minimum, carefully read any document you are asked to sign. |
| WHAT DO I DO NOW? |
| Contact us, and submit a claim. (Click here to go to claim form.) Our job is to get your vehicle claim processed quickly. We can also address your concerns about the effect pf a claim on your policy or coverage. |
| WHAT IF I NEED A RENTAL CAR? |
| If you have purchased optional Loss of Use coverage your insurance provider will provide you with an amount of money that you may spend on a replacement vehicle regardless of who is at fault for the accident. |
| WHAT INFORMATION SHOULD I GET FROM THE POLICE OR THE OTHER DRIVER? |
| Often the investigating officer will give you a copy of the accident report. If not, make sure you get the following information: •Names, addresses, phone numbers, and driver’s license numbers of all drivers and witnesses •Description, plate number, and insurance information of the other vehicle(s). •Names of the streets. •Time of the accident •Investigating officer’s name, force, and badge number. |
