Helpful Tips for What To Do If Your In An Auto Accident

ID-10076578Your 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.

 

 

 

 

 

Photo Courtesy of Naypong at FreeDigitalPhotos.net

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Recreational Vehicle Summer Travel Check List

It’s summer travel time and when you own a Recreational Vehicle it’s all about getting on the road. Before you do, be sure that your RV or also called motor home is ready for travel. Many people store their RV and use it only during the summer months. When you get it out of storage go through these safety checks so you can are prepared for your upcoming trips.

Check your tire pressure and tire thread. Fill up the propane tanks and check for leaks. Take your RV to be serviced, have the hoses inspected, the lights, battery, fluids and brake system tested. Have an oil and filter change. Ask your technician to go over your recreational vehicle from top to bottom. To save money, do what you can before hand. The next step is to clean and go through the inside. Check your appliances, plumbing system, air conditioning unit, windshield wipers, etc. Do a thorough cleaning of the floors, walls, cabinets and furniture. Don’t forget to wash your RV before you head out also.

Then it’s time to pack! Go grocery shopping and stock up on the food you’ll need for about a week. Don’t forget the staples like spices, sugar, flour, rice, broth, tuna, coffee, tea, jam and jelly, etc. You can create a check list that you reuse each year. There’s also your hobbies to think about. Bring your books, movies, puzzles, bicycles, tennis rackets, golf clubs, etc. Fill up the closets but leave some room for what you may buy while you’re traveling.

Your trip is mapped out and your reservations are set, but before you think of leaving, check to see if your Recreational Vehicle Insurance is up to date. Don’t think that your automobile or homeowners insurance will cover your personal property, or injuries that happen in your RV. They won’t.

Stop or forward your mail. Stop the newspaper delivery and let your neighbors know how long you’ll be gone. Leave a contact phone number with a few people that live close to you in case of emergency. Ask someone to check on your home. You may want someone to go inside if you’re going to be gone for a long while, to do a good look over of your home plumbing, appliances, electricity, etc. If you have a neighborhood watch, let them know about your travel plans too.

Have a wonderful trip this summer in your RV! Knowing you have recreational vehicle insurance will help you feel secure while you’re on the road and hooked up at the campground.

 

 

Photo Courtesy of MemoryCatcher at Pixabay.com

 

 

 

 

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So Really, What does that Seat Belt Do For You?

One of the easiest ways of being safe in your vehicle is to simply wrap that seat belt around you and insert into the buckle by your seat until you hear the click. How many times have you heard or read a news story where someone has said, They are alive because they wore their seat belt. Just that statement alone should have you thinking, Why would you Not wear your seat belt?

Wearing your seat belt can be the difference between major injury, being paralyzed or death. The alternatives to not wearing your seat belt far out weigh the reasons you should.

The first seat belts were placed in American cars in the 1900s to keep people in the car on rough roads rather than to protect them in wrecks. Seat Belts were in race cars in the 1920s and finally in a some cars on the open market in 1950. In 1966, the Highway Safety Act and the National Traffic and Motor Vehicle Safety Act were passed and the auto industry was regulated. Seat belts were on their way to becoming standard equipment.

So Really, What does that Seat Belt Do For You?

* Preventing you from being thrown from the vehicle in a roll over or heavy impact.

* Minimizing impact with your passenger and the dash board or windshield.

* Decreasing the time it takes someone to come to a stop upon impact by retraining you.

* Most important Seat Belts Save Lives!

Seat Belts are not just for the driver but for everyone in your vehicle, including your children.

See article for Child Safety Here

Buckling on a seat belt is easy, life saving and the law! Take those few seconds and make it a habit to have you and everyone in your vehicle buckle up before you turn the key.

 

Call us today to get your insurance 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.

 

 

 

 

 

Photo Courtesy of koko-tewan at FreeDigitalPhotos.net


How to Be Prepared For An Auto Accident or Breakdown When Traveling

id-10095450Going on a trip or across town, accidents or breakdowns can occur. Being prepared can take some of the stress out of both of these situations.

You are required to carry your vehicle registration and proof of insurance with you, to be sure you never leave home with out them, keep them in a center console of your vehicle, if you do not have one, the glove box will do just fine as long as you have these two vital pieces of information at your finger tips.

The Insurance ID card shows your policy number, expiration date and very important, how to contact your insurance company in case of an accident.

The Vehicle Registration shows proof of ownership of the vehicle and when your license tag will expire. Be sure to keep the information updated if you move and don’t let that sticker that comes with this registration expire, or you may have to pay more for being late or get a ticket for an expired tag.

A check list in case you are in an accident may be provided by your insurance company but if not, here is some information you want to obtain from the other driver. Name, Address, Telephone, Insurance Company and policy number. Also be sure to get the name and badge number of the police offer on the scene helping you. Make notes about the accident while it is still fresh in your head such as, date, time, other vehicles makes, models, year built, color and license plate numbers. Take photos for future reference.

Other vital pieces of information you will want to keep handy is emergency contact numbers. The number to your doctor or a local hospital, and also the number of a family member or friend to contact in case of a serious injury in an accident. If you have allergies or are on any medication it would be a good idea to have your medical card or a list handy with your other items in your glove box or console.

A First Ad kit is not just for the home. You should carry one in your trunk in case of injury in an accident or maybe a breakdown and just changing a tire. Flares at night or cones in case you break down are great for making other drivers aware you vehicle is on the roadway and are able to be seen in the dark way before the other driver is close to your vehicle. You can also keep an orange reflective cone in your trunk for this purpose as well.

Fix it up on the go tools are very helpful. A tool box with screwdrivers, hammer, socket wrenches, which you may find handy to change out a battery. Contact your mechanic to find out what tools can be most useful for your vehicle in case of a breakdown to help you get back on the road or to a repair shop.

The Flashlight is always handy and be sure to check the batteries if you are planning a trip to be sure it works.

Whether you have been in an accident or had a breakdown, it can be a trying experience. Make it easier on yourself by being prepared.

 

 

 

Photo Courtesy of David Castillo Dominici at FreeDigitalPhotos.net


How To Easily Change Your Auto Insurance Policy

id-100347129One 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

 

 

Photo Courtesy of fantasista. at FreeDigitalPhotos.net