:::

Budget Car Insurance Information

:::
 




:::

Budget Car Insurance Articles

:::

Understanding All Auto Insurance Claims

By Sher Matsen

If you are involved in an accident it is important that you know the proper procedure for filing an insurance claim. You will most likely need to deal with one or more adjusters who will determine the insurance salvage. Follow these simple tips to make sure you have taken all the necessary steps to collect the correct information and follow the correct procedure.

Do your self a favor and prepare in advance. Know the laws and the reporting requirements of the state you live in and drive in. Always carry an accident package in your car. It should contain paper, pen, and accident reporting form which are available online free from the DMV.

If an accident occurs remain calm and stop your car. If there are injuries do what you can to make the person or persons comfortable. Call the EMT to treat any injured parties and call the police.

If you smell gas or if the car is on fire clear all persons away from the area. Do not move seriously injured people unless it is a threat to their lives to leave them where they are.

If the accident is minor and there is only property damage and no injuries, put your hazard lights on and drive both vehicles to a safe location at the side of the road. Set up flare or reflective triangles in the rear and side of the cars to ensure other motorists are aware of your location.

Both drivers need exchange car insurance information. You also need to exchange the names of the drivers, all passengers in the vehicle, and any witnesses. As well as names you should obtain complete addresses and telephone numbers.

Next you will need to contact your insurance company and if you feel you need to contact a lawyer now is the time to do so.

Your car insurance company will need to collect all pertinent information. They will need the year, make, model, and license plate number of the other car. They will also need the drivers name, address, telephone number, date of birth, and his or her driverís license number as well as the issuing state.

If the other drive is not insured obtain as much information as you can then notify the police. Both the police and the insurance company will want the full names, addresses, and phone numbers of all witnesses.

If the police attend the accident scene request a business card from the attending officer that gives his full name and how you might reach him.

If you have a digital camera handy take plenty of photos. These days many people have a digital camera built right into their cell phone which is very convenient.

As soon as you are able, write down all details pertaining to the accident. Information such as weather conditions, pavement conditions, visibility and lightening could all become very important in determining who was at fault.

You also need to record the estimated speed of both vehicles. As well do a sketch of the accident scene marking the direction each driver was traveling. Make notes of things such as stop signs, traffic lights, other vehicles on the roadway, and any obstacles.

You should also record all damage to the car and any other property as well as all body injuries no matter how minor they appear.

Whatever you do, do not discuss who is at fault with the other driver. Insurance companies recommend you do not engage in conversation about fault. Give the police officer an account of the accident but in privacy away from the other driver.

Remember no one can force you to give details of the accident or admit blame. You always have the right to consult a lawyer before answering any questions.

Letís hope you never have to file an insurance claim. But if you are well prepared should an accident occur you will be much more likely to record the necessary information to ensure that your claim proceeds smoothly.

Free Quote Budget Car Insurance - Turn 21 Today!


:::

Budget Car Insurance Featured Resources

:::


SEARCH RESULTS

Annuities: The Shocking Secrets Revealed
Discover The Shocking Secrets That Banks And Insurance Companies Don't Want You To Know.

Insurance Leads Generation
Generate Quality New Leads At A Fraction Of The Cost Of Offline Marketing.

Car Auction
From The Gov-Records.com Team!

State Car Auctions
Local Seized Cars and Real Estate Auction Listings


:::

Budget Car Insurance News

:::


Strategies to Pay for Retiree Health Care Costs
Plan ahead by including medical expenses as a line item in your retirement budget.

Guide to buying your first car
Buying your first car will require some time and effort on your part. Here's a step-by-step guide to get the best deal on a new ride.

Beginner?s Guide to Buying Your First Car
You don?t want to be bamboozled by a slick car salesman. As Stacy Johnson said, ?Cars are for transportation, not status.? Consumer Reports recommends that you figure out how much car you can afford by looking at two factors:

What you need to know about buying a teen?s first car
OKLAHOMA CITY ? When your teen starts driving, parents may be contemplating whether to buy another set of wheels. Before you pull the trigger and buy a car, the Oklahoma Society of Certified Public Accountants has some tips on how to handle the finances and responsibilities that come with making a purchase of this size. [?]

5 Low-Priced Cars with High-Tech Equipment
If you love high-tech but have only a low budget for car buying, here's a look at five 2014 and '15 models that are perfect for you.

Free Car Payment Insurance: What's The Catch?
Many dealers are offering payment protection plans on new cars. Are they right for you?

10 Step Checklist for Labor Day Car Shopping
Labor Day is a federally-recognized holiday which celebrates hardworking Americans with a day off from work. TrueCar.com estimated that Labor Day weekend last year would boast 1.13 million unit sales among the country's leading automotive manufacturers. With the car-buying trend likely to pick up at a similar speed from the last Labor Day weekend, it's clear that now is the best time to buy a ...

Can I Buy Insurance After Being Injured In An Accident?
The health law's ban on pre-existing conditions doesn't mean you can buy a plan after you get sick. Most people have to wait for the open enrollment period.

Buying the Right Auto Insurance for Your Teen Driver
Here's how to save money without sacrificing coverage when you add a teen driver to your insurance policy.

Car & Truck Rental News
Browse the latest breaking news across the automotive rental industry covering fleet acquisition, remarketing, rental software, GPS & telematics, fleet insurance and financing, rental operations, risk management, technological innovations and shifting market conditions.


:::

Budget Car Insurance Blogs

:::



Google


 

Best Sellers from



GatorDocs

Lighting 2 Light Bulbs



Want to Link to Us?

Link to CarInsuranceHunter.com