2013년 11월 14일 목요일

Josefa Ingraham 's blog ::What to do after a car accident




Josefa Ingraham 's blog ::What to do after a car accident





You               were               just               involved               in               accident               with               another               vehicle,               in               a               parking               lot               or               on               the               highway.

What               do               you               do               now?

Tips               for               what               to               do               after               a               car               accident:
               1.

Try               to               keep               your               composure.

Make               sure               that               you               and               your               passengers               are               not               injured.

People               are               more               important               than               a               car.

Call               an               ambulance               if               there               are               injuries.
               2.

Get               a               police               report.

Call               the               police               even               if               you               do               not               think               they               will               come               to               the               scene.

Let               them               tell               you               they               will               not               come               to               a               parking               lot               or               non-injury               accident.
               3.

If               it               is               safe,               exit               your               vehicle               and               take               pictures               with               your               cell               phone               camera               or               any               camera               you               have               access               to.

Take               pictures               of               the               whole               scene               from               a               distance.

Take               pictures               of               the               license               plate               and               the               driver               of               the               other               vehicle.
               4.

Exchange               information               including               name,               address,               phone,               vehicle               year,               make               and               model               and               insurance.

You               might               not               remember               this               information               without               writing               it               down.

You               will               need               it               later               to               report               to               your               insurance.
               5.

Do               not               accept               fault               or               blame               the               other               party.

Do               not               scream               at               the               person,               this               is               not               what               to               do               after               a               car               accident.

Be               as               polite               as               possible.

Accidents               are               accidents.

They               are               not               intentional.
               6.

You               may               want               to               make               a               claim               against               the               other               person's               insurance               company               instead               of               making               a               claim               on               your               own               insurance.

If               you               were               definitely               not               at               fault,               then               do               not               make               an               official               claim               with               your               insurance               company.

Some               company's               policies               are               to               pay               claims               made               regardless               of               fault.

This               will               be               on               your               record               as               an               accident               and               may               affect               your               rates.

Plus,               you               do               not               have               to               pay               a               deductible.
               7.

It               is               not               necessary               to               get               three               estimates               for               repairs               to               your               vehicle.

This               is               not               required.

The               insurance               company               can               guide               you               to               where               to               take               your               vehicle               or               you               can               choose               a               place               you               trust.

Ask               friends               of               places               they               might               recommend.
               8.

If               the               other               party               is               uninsured,               then               make               a               claim               on               your               own               insurance               policy.

You               will               have               to               pay               a               deductible.

Your               insurance               company               will               subrogate               against               the               at               fault               party.

Even               if               you               are               partially               at               fault,               depending               on               the               state               where               the               accident               occurred,               you               could               still               recover               a               portion               of               your               deductible.
               Hopefully,               you               will               not               have               to               use               these               tips               of               what               to               do               after               a               car               accident.

But,               if               you               do               and               you               have               questions,               fell               free               to               comment               on               my               article               and               I               would               be               happy               to               answer               you               back.
               Sources:               http://www.edmunds.com/ownership/safety/articles/43805/article.html
               http://www.statefarm.com/insurance/claim_center/auto/ins_claims_auto_afteraccident.asp



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