What to do in the event of an accident
After the accident record the names of the other drivers involved, their dates of birth and their contact information. Also record a description of the other cars that were involved in the accident, the license plate numbers, driver’s license numbers of the drivers, and insurance information including the policy number and company. When exchanging information, do not admit that the accident or any part of the accident was your fault. You will also want to gather statements from anyone who saw what happened. If possible, have them stay and talk with the police, but if they have to leave, get their contact information so they can make a statement later.<p>
Record Your Point of View
As soon as possible after the accident, write your statement of what happened while it is fresh in your mind. In addition to narrating the event, draw a diagram of accident to show what happened. Be sure to include street signs, road markings or skid marks from the accident, and time of day and weather conditions. If you wait too long to record what you remember, you may forget important points. However, do not include any admission of fault because what you say to the police or to the other driver(s) can be used against you in court. If possible, take photographs of the accident scene and any injuries that occurred. The only form you should sign after an accident is a ticket from the police. Signing a ticket only means you will appear in court or choose not to contest the ticket. It is not an admission of guilt and if you do not sign you could be arrested.<p>
Evidence for Claims
If you suspect that you or any of your passengers were injured, have a checkup done at a hospital because not all injuries are immediately apparent. A key element of a claim is documentation of damage. Make sure that you keep records of hospital visits and their associated costs as well as lost time from work or school. If your injuries affect your daily life, such as your interactions with others, note that as well. Keep track of how much you paid or your insurance company paid for car repairs.<p>
The new rules prohibit insurers from making untruthful, deceptive, or misleading statements to consumers that unreasonably influence a consumer’s right to select the repair facility. These new regulations complement existing state consumer protection laws that prohibit insurance companies from requiring that repairs be done in an insurance company-chosen shop and guarantee that consumers have the absolute right to select where they have their vehicles repaired. The new rules also provide guidelines for reasonable timeframes for insurers...
FACTS TO KNOW WHEN IN A EMERGENCY!
1. DID YOU KNOW YOU SHOULD RECORD YOUR KEY PAD ALARM FREQUENCY!
WHEN LOCKED OUT OF YOUR CAR HAVE IT RECORDED ON YOUR PHONE. PLAY THE RECORDING OF YOUR PHONE. IF YOU DO NOT. THEN HAVE SOMEONE HOME THAT HAS THE EXTRA CAR ALARM TURN THE VOLUME UP ON YOFUR PHONE HAVE THEM HIT THE UNLOCK BUTTON NEAR THERE PHONE AND AS LONG AS YOU ARE CLOSE TO THE CAR AND WATCH THE CAR DOORS UNLOCK FOR YOU!
Our car is one of the biggest purchases and investment in our life and like your engine and transmission it needs to be maintained and taken care of for its beauty to last through weathered times.
Here are some things you can do to improve & prolong your vehicles appearance & luster:
1) Clean and wash your car at least once a month: clean and wash the exterior panels, wheels and wax your car. Waxing your car helps protect your paint from harsh weather conditions and acidic rain. Cleaning your wheels of brake dust and road...
By California Law, You have the right to choose your own repair shop; you are not obligated to have your car repairs done recommended or contracted with your insurance company.
There is No Law that requires you to get more than one repair estimate. Choose a repair shop that can document and itemize damage evaluation for the repair of your vehicle and that you are comfortable with. However, you are required by your policy to allow your insurance company a reasonable amount of time to inspect the damages prior to repairing them.
Think of your auto insurance policy as six separate policies. Some types of coverage are required by state law, depending on where you live. Others are optional. Consider each one and ask yourself how much you need. Each type of coverage has its own premium. Add them up and you’ve got the price of your auto insurance policy. Subtract the ones you may not need and you gain some control over the cost.
Bodily injury liability (BI) coverage covers you if you cause an accident in which someone else is hurt or killed. State...