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 and if so call 911

Check the other vehicle for injuries to report them as well if they have not called.

Call the police and 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, addresses, telephone numbers, and driver’s license numbers from all drivers as well as license plate(s) and vehicle identification numbers.

Ask to see driver’s license(s) and vehicle registration(s) to verify that the information is accurate.

Get names, addresses, and telephone numbers of other passengers and any witnesses.

If you have a camera or a camera on your cell phone, use it. Take different angles of the accident with all the cars involved, damage to your vehicle, the accident scene for traffic lights, signs,etc.

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.

• 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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What To Do After A Flood

flood-139000_640When floods occur from flash flooding (sudden rapid rising of water along streams or low lying areas) Severe Thunder Storms, Tropical Storms and Hurricanes, the streets and your yard could be covered. The number one catastrophe from flooding is drowning and occurs mostly during flash floods.

If you are under a flood or flash flood warning be prepared to evacuate and head out for higher ground

Always have a NOAA Weather Radio on hand with batteries. The NOAA Weather Service will keep you up to date for flood warnings, hurricanes, tropical storms and other critical information you will need.

Stay Out of The Water

Walking through standing or moving water can be hazardous. Only 6 inches of moving water above your ankles can make you fall. Standing water can also build up microorganisms that contaminate and cause skin disease.

Electricity and Water Do Not Mix

The number two cause of death due to flooding is electricity wires and power lines down and even in the water. Electricity can make a pond or standing water charged and deadly. Stay away from them, do not test to see if they are active. Contact your electrical company immediately if you see power lines or wires in or near any water.

Returning Home

If you had to evacuate, return home when officials have stated the area is safe.
Before you enter your home, check the outside and your property. Look for down power lines and gas lines that may be damaged. If you smell gas or hear a hissing noise, contact the fire department immediately. Keep pets and children away from the water and any dangerous places.

Approach your property carefully and check for any entry way damage, roofs that may be falling down, cracks in walls, windows and any outside damages.

Inside your home may have chemicals such as cleaning supplies, gasoline from the garage, and other things commonly used in the home that are now scattered and need cleaning up. Wear gloves and protective clothing and rubber boots.

Check for snakes, some may be poisonous, and small animals on your property and inside your home, that may have come in with the flood.

Check your food and make sure to throw out anything you question. Throw away anything that has been effected by the flood waters. Do not use the waters for washing dishes or baths, ice cubes, or anything, remember this water is contaminated. Check with your local public heath department for a boil water recommendation or for treatment of any water.

Take pictures right away of any damages as your are checking your property and home for insurance purposes. If you can send the pictures to your email or upload to a photo website where you can store them. If anything happens to your camera or phone that takes pictures, you have a back up.

Contact After The Flood

Go to the RedCross.org/SafeandWell website and register. After a storm or event if you have internet access you can go online and let your friends and family know you are ok. If you do not have internet access you can call 1-800-GET-INFO and register or to let everyone know your ok.

Flood Insurance Tips

Homeowners Insurance does not cover flood damage. Flood Insurance is separate policy. Even if you do not live in a flood zone, consider flood insurance in Florida. Once their is a tropical storm or hurricane, in your area, there is a possibility of flooding. Without flood insurance you will pay out of pocket expenses for the damages. In many cases, it takes 30 days after the purchase for a policy to take effect contact us today for more information.

Call us today to get your questions answered. 863-453-3903

 

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