Advices on Accident Insurance by bettysampson


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									     Advices on Accident Insurance
     Knowing what information to collect at the scene of an accident is important. Following certain guidelines will guarantee that you collect the
     information you need to make a claim. It is also your responsibility to have proper protection on your vehicle. State law requires you carry the
     minimum state liability insurance on your vehicle when driving. Proof of this should be carried in your vehicle at all times along with a copy of
     current registration.

1.               Lawful Requirements
           o                 If you are involved in an automobile collision you are required to stop. Driving away from the scene of an accident is
                 considered a hit-and-run accident, whether it involves a moving vehicle, a pedestrian or a parked car or property.
                 If the car you hit is parked, try to locate the owner. If you are unable to, you must leave behind your name, address and phone
                 number, an explanation of how the accident occurred and the vehicle owner information. The police department must also be
                 notified of the accident as soon as possible. If there are any injuries caused from the accident, you must get immediate help and file
                 a police report.

2.               Information to Collect
           o                   You are required by law to exchange information with the other driver or drivers involved in the accident. This includes
                 driver's licenses and vehicle registrations, birthdates, telephone numbers and insurance company information. Note the make and
                 models of the other vehicles involved in the accident along with the license plate numbers. The vehicle identification number (VIN )
                 is also helpful information to collect in case the other driver is not driving his own vehicle. If this turns out to be the case, get the
                 contact information for the owner of the vehicle and the legal name of the registered owner.
                 Get contact information from any witnesses at the scene. If they will not readily volunteer the information, try to write down the
                 license plate numbers of the vehicle they were driving. Be sure to write down the badge number of the law officer who arrives at the
                 scene and where you can obtain a copy of the accident report.

3.               Admitting Fault
           o                   It is never a good idea to admit fault for the accident or agree to pay any damages before you have spoken with your
                 insurance agent or lawyer. Do not sign anything other than a traffic ticket; signing the ticket is not an agreement of fault, only that
                 you will appear in court to contest or pay the ticket. Anything you say to the officer or the other driver can be used against you later
                 in court or to decide who is at fault for the accident.

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