Your fault not your fault, accidents happen. As much as we prepare, getting auto insurance, wearing our seat belt, taking a defensive driving course, we also need to be prepared for what to do on the scene when an accident happens to you.
Immediately stop your vehicle or do not move it from the place it has stopped.
As hard as it may be at this time, keep calm. The leg work you do at the scene will help you later in case of any disputes.
Check yourself and your passengers for injuries. Call the police immediately.
Check the other vehicle for injuries to report them as well if they have not or are unable to call.
Report the accident right away ( most auto insurance policies require notification of police within a specified time period if the accident is a hit and run)
Get names from all drivers as well as license plate(s) and vehicle identification numbers.
Get names, addresses, and telephone numbers of other passengers and any witnesses.
Use a camera or your cell phone to take different angles of the accident with all the cars involved, damage to your vehicle, the accident scene for traffic lights, signs, etc.
• 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.
Notify your agent and/or your insurance company right away.
You should also be aware of things NOT TO DO
Do Not – Argue with other drivers and passengers. Tell your story to the police and your insurance company.
Do Not – Sign statements regarding fault or promises to pay for damage.
Do Not – Sign anything releasing the other party from further responsibility. Example: If another party offers to pay your deductible.
By releasing the other party, you jeopardize your insurance company’s right, which may lead to the company may refusing to pay for damage to your car.
We honor those who have fought for our country and died in military service. This weekend many people will visit cemeteries with some volunteers placing flags on the graves of the brave soldiers.
Find out more about Memorial Day Here
Are you getting away this Memorial Day weekend? According to AAA auto club over “41.5 million people will travel over the Memorial Day weekend which is 4.8% more than last year and seven out of eight of those travelers will be driving.
If you are one of those seven out of eight traveling on the road, here are a few tips:
Drivers should be well rested and alert, use their seat belts, observe speed limits and follow the rules of the road. If someone is planning on drinking alcohol, they should designate a driver who won’t be drinking.
• Drivers should give their full attention to the road.
• Avoid distractions such as cell phones.
• Leave ample room when behind other vehicles.
• Use caution in work zones.
• Make frequent stops when traveling long distances.
• Clean the vehicle’s lights and windows, especially at night.
• Turn the headlights on as dusk approaches, or during inclement weather.
• Use high beams on rural roads unless approaching or following a vehicle.
• Refill the vehicle’s gas tank before it gets too low. If there is trouble with the car, pull as far as possible off the road.
PREPARE FOR THE UNEXPECTED
Travelers should pay attention to the weather forecast for their destination.
Travel and weather web sites can help them avoid storms and other regional challenges that could impact their safety. To be ready for unexpected problems:
• Carry an Emergency Preparedness Kit in the trunk.
• Pack high protein snacks, water, first aid kit, flashlight, a small battery-operated radio, an emergency contact card with names and phone numbers, extra prescription medications and important documents or information that may be needed.
• Travelers should let someone know their destination, route, and expected arrival time. If you get stuck along the way, help can be sent along the predetermined route.
If someone is traveling with a pet, here are some tips to make their trip more enjoyable right here.
Have a safe and very enjoyable Memorial Day Weekend
This type of insurance can be a bit more costly then regular insurance but well worth it in case something could happen to the vehicle.
Here are some reasons why you would want to purchase temporary insurance.
Heading out on a vacation? Temporary insurance is a good idea if you are going to be driving a vehicle which is not yours, or a rental car to avoid some high rental company insurance fees. Check to see if your current auto policy covers rental cars, if not you may need the temporary auto insurance. Business travelers may purchase temporary auto insurance in conjunction with car rentals for work purposes.
Your son or daughter are home from college and needs to use your car or truck. Although the temporary auto insurance policy is more expensive than regular coverage on a month to month basis, using it for these limited periods can sometimes be far less expensive than including the student on a family’s policy.
Moving to a new home with friends helping out, and possibly driving your vehicle’s is another reason to be covered while in transit.
In each of the above situations, or in any circumstance you are buying a temporary auto insurance policy, be sure to check with your auto insurance company. Sometimes, temporary drivers of a vehicle may already be insured through the regular policy on the vehicle and your insurance may already cover you for Car Rentals.
Note that it is usually not possible to purchase temporary policies for situations where an individual is living in the same house as the policyholder.
Call us today to get your questions answered. 863-453-3903
As an owner of an antique car or truck, you should know what your auto policy can do and not do for you versus a collectible vehicle.
To have a policy on an antique vehicle the age of that car or truck must be at least 30 years old and the coverage will be determined by the condition and what the owner plans to do with it. There are limitations for this type of coverage in how much the car or truck will be driven.
With an antique coverage policy there is do not drive clause on a regular basis or the vehicles are meant for display only. There are specific details that will specify the actual mileage limits per year. With Collective Vehicle coverage the car or truck can be driven with limitations.
Another specification that will determine the coverage of an antique vehicle is how it is going to be stored. The guidelines usually state that the vehicle must be locked up in a garaged type area. Not to just throw a cover over it outside, but to be closed up and safe. Many Antique cars or trucks are irreplaceable and worth quite a bit of money, the insurance company providing coverage has guidelines for the purpose of also making sure the upkeep of the vehicle is up to par.
One of the easiest things to check off the top of the list is your oil. You oil should be changed every 3,000 to 5,000 miles depending on your vehicle and your owners manual should indicate how often. With the oil being changed the oil filter needs to be renewed as well. If you own an older vehicle with more mileage, you may want to check with your mechanic for more frequent changes.
Tune Ups are just as important. This is simply making sure your hoses are still good, spark plugs are sparking and the belts are not wearing. This preventive maintenance can save you time broken down on the road and even better gas mileage. When you go in to have your oil changed, consider taking a little extra time to have the tune up done too or do it yourself it you know how.
What is your mileage on the car? Are you over 60,000 miles on the speedometer? If so you are not driving a new car any longer and may notice it does not idle as it used to and may have some hiccups here and there. These may be little signs of some wear on the engine and should be addressed.
Not only does our engine need attention but also what is underneath the vehicle. Your tire pressure should be checked from weekly to monthly depending on how often you drive. The wrong tire pressure and wear can cause you to get less miles to the gallon. Check for wear on the tires and have them rotated, as well as check the alignment of your vehicle as this too can cause the tires to wear faster if not aligned correctly.
Taking a little extra time from your day here and there to maintain your vehicle can save you money in the long run and who wants to sit on the side of the road waiting for a tow truck when this could have been prevented.