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Frequently Asked Questions
What should I do if I've been in an accident?
Immediately stop at the scene.
Call 911 if there are injuries.
Call the police.
In some areas police authorities may not come to every accident scene. They may consider factors such as the severity and location of the accident. However, you should attempt to notify the police.
Obtain names, addresses, telephone numbers, and driver’s license numbers from all drivers.
Obtain license plate(s) and vehicle identification numbers.
Obtain names, addresses, and telephone numbers of other passengers and any witnesses.
If you have a camera, take photographs of the damage, the position of the cars, and the accident scene.
If the owner of a damaged car or damaged property cannot be located, leave a note with the names and addresses of the driver and owners of the involved cars.
Notify your agent and/or your insurance company immediately.
If anyone is injured or the vehicle damage exceeds $750.00, you must report the accident to the Department of Motor Vehicles within 10 days. Failure to notify the DMV may result in the suspension of your driver’s license.
What actions should I avoid after an accident?
Do not argue with other drivers and passengers. Save your story for the police and your insurance company.
Do not sign statements regarding fault or promises to pay for damage.
If another party offers to pay your deductible, don’t sign anything releasing him or her from further responsibility. By releasing the other party, you jeopardize your insurance company’s subrogation right, and the company may refuse to pay for damage to your car.
About 50,000 Motorcyclists Are Injured Due To A Traffic Accident Each Year
It is estimated, that more than 50,000 motorcyclists are injured in traffic accidents each year; and approximately 2,000 motorcyclists are killed due to those traffic crashes each year. In fact, more than 80% of all reported motorcycle accidents result in injury or death.
What to Do in Case of an Accident Step 1If possible, stop your car in a safe and visible place. If the car cannot be moved, turn on the hazard lights. Turn off the ignition. Be...
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Definition:
Occurs when the driver, passenger or side airbag has been used or deployed during a crash or other incident.
Claim
Definition:
Notice to an insurer of a loss that under the terms and conditions of a policy may be covered.
Underinsured Motorist Coverage
Definition:
Pays for bodily injury or wrongful death caused by an underinsured motor vehicle (that is, a vehicle which is insured, but at an amount that is less than your uninsured motorist bodily injury (UMBI) limits).
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