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.
Not only are there laws to follow on the road there is also courtesy and an aggressive drivers or someone with road rage does not follow either the law or have courtesy to others. You may see an aggressive driver weaving in and out of traffic, speeding, cutting off other drivers, tailgating, basically engaging in reckless and dangerous maneuvers.
If you travel, or maybe just on your way to work, the grocery store, taking the kids to school or back home, you need to be prepared for such drivers to keep you and your passengers safe. Here are some helpful tips:
Get out of the Way!
Once you have spotted the aggressive driver try to get out of the way. Stay calm and concentrate on your driving with no distractions. If they are tailgating you, put on your signal and change lanes as soon as possible. If you are near a public place, take a break and pull in even if its just for a few minutes.
Do not challenge an aggressive driver
Do not have eye contact. The aggressive driver may see this as a challenge and if road rage is involved with this driver, you are putting yourself in danger.
Do not make or return gestures or yell
As unsettling as this episode can be, remain mature. Do not get aggressive back with obscene gestures. Do not yell or speak to the other driver. Once you do you have engaged in their behavior and the game is on.
Try to stay off the horn unless necessary.
You can get a person really worked up if your consistently honking the horn at them, use your horn sparingly. This aggressive driver is like the bully on the playground but unfortunately the playground this bully has chosen is a roadway.
Call the Authorities
It is certainly not courteous to yell, blow your horn excessively or give someone the finger, but it is against the law to put someone in danger on the road.
Aggressive driving is when an individual commits a combination of moving traffic offenses that endanger other persons or property. If you see that an aggressive driver is causing danger to others or yourself call the authorities and report it. If you have a passenger in the car, have them get the license plate number, a description of the vehicle and driver.
We all are cutting corners these days, but is it wise to cut back on your auto insurance coverage? First lets see what exactly Liability Insurance does for you.
Liability Coverage (Liability)
Liability is one form of coverage addressed in most automobile insurance policies. Liability insurance is the coverage that pays for injuries and damage sustained by a third party and/or their property for which you are responsible.
Bodily Injury Liability (BI)
Covers just that, other parties bodily injuries or death in case of an accident which you are responsible. It also protects you in case of a lawsuit and provides legal defense. This coverage is usually required. Be sure you have enough coverage in case something does happen and you have enough coverage so you do not have to pay out of pocket for medical bills, loss of income, pain and suffering, etc. Bodily Injury Liability does NOT cover you or other people on your policy. Coverage is limited to the terms and conditions contained in the policy. It is mandatory in most states.
Insurance that Covers Property Damage (PD)
This is coverage in case you cause an accident or damage to someone else property and will cover your vehicle as well. For instance, if you damaged another parties vehicle, mail box, a sign, statue, etc.Some insurance policies have split limits for bodily injury and property damage. If you select limits that are too low, you could be putting yourself at risk financially. Be sure to check what your insurance policy provider allows for these limits to be sure you have enough coverage.
Liability limits are one way to save money on your insurance policy, but you need to be very careful about how low you choose to go.
The lower your limits on your liability coverage the lower your premium will be and the less you will be covered by your insurance in case an accident does occur. This means you will be paying more out of pocket. This is definitely not a place to pinch penny’s, it could cost your thousands of dollars later.
Call us today to get your questions answered. 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.
We find insurance that meets every budget!
Insurance rates go up and down and depending on what type of vehicle you drive, how many miles you put on it every year, and more. If you do not inform your insurance company of changes you could be missing out on discounts.
Here are some things to consider:
No tickets or accidents in the past 6 months to a year or being a safe driver.
Changes in life style, a new job with shorter distance to work or don’t drive as much in general.
Your age could be a factor also. If you are younger than 25, your rate may be higher, the more experienced a driver you become after 25, the less you may have to pay (if you have a clean driving record).
Have your moved lately? Where you live can affect the cost of your car insurance rates, some places can make them go up and some go down, don’t just give your insurance company your new address, find out if you can get a discount for your new area.
Other discounts you may want to ask about are good student discount, military discount or a senior citizen discount, (ask about our AARP discount for seniors).
We offer a big discount depending on what prior carrier you have been with for 1-2 years and a bigger discount for 3 years and an even larger discount if you have been with a prior carrier for 5 or more. Find out how much you can save by calling us for a quote!
You are probably not aware of all of the discounts that are available on your auto insurance policy. Call us today to get your questions answered. 863-453-3903
or visit our website budgetbirite.com and fill out our short form. We will have an agent contact you within 24 hours.
Serving All of Florida
One of the biggest reasons we hear for changing insurance are lower rates and better policy value. Other popular reasons for changing insurance are Group Coverage for family or business, adding a driver or family member or another vehicle to a current insurance policy. There are many ways that Budget Bi Rite can help you lower the cost of your auto insurance and find the best policy for you. Switching from your old insurance company to a new insurance company is not hard to do.
For most auto insurance a notification in writing and specifying the date you want the policy to be canceled is all that is required as long as payment is kept up to date. Some insurance companies require the policy holder to send in a copy of the policy and then send a cancellation request form to be signed and returned. We will be able to time the beginning of the new policy to coincide with the cancellation of your prior coverage.
You may want to consider changing when your current policy is up for renewal. You should receive a notice for renewal 30 days for your current policy. Be sure you have your new insurance policy ready to start by the time the current policy terminates. We will be able to time the beginning of the new policy to coincide with the cancellation of your prior coverage.
Most insurance companies require policy holders to present proof of new coverage before they will cancel an active policy. Once your new policy is in place, you can have up to a 10 day grace period to cancel out your old policy. We recommend you do this the same day.
It is against the law to drive without insurance in the state of Florida, you must carry a minimum level of auto insurance . Do not take a chance of getting into an accident with no coverage.
Thinking of changing? We offer insurance for every budget! Contact us today. Let us know your needs. We can find exactly what policy is best for you and give you quote right over the phone and have your policy issued in just minutes.
We are authorized agents for over 10 top companies and our company takes pride is keeping updated on the most current changes in the Insurance Market to get you the best rates!
Call all us today to at 863-453-3903
Serving All of Florida