<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1602061480087256&amp;ev=PageView&amp;noscript=1">

R&R Insurance Blog

Important Tips to Keep in Mind After a Car Accident

Posted by Jenna Haertle

Wed, Jul 08, 2015 @ 05:06 AM

Car-Accident-Personal-Auto-Insurance

Have you ever been in a car accident? Did you feel prepared for what steps to take? Was there anything you forgot to do?

 

As a CSA in our Personal Lines Department here at R&R, I frequently assist clients after they’ve been in a car accident. Unfortunately, I was recently in one myself and learned what it’s like to be on the other side of the phone. Being the client was a great reminder about what steps someone should take immediately following their accident. I encourage you to keep these tips in mind, and never hesitate to contact your knowledge broker for more information.

 

  • Safety First! Make sure yourself or the other party is not seriously injured. Call for medical assistance, if needed. If cars can be moved out of the road to a shoulder or side street, try and do so to avoid another potential accident. If they cannot be moved, stay in your vehicle with your seatbelt on. Don’t forget to put on your emergency flashers!
  • Call the police. They can help get tow trucks, direct traffic out of the way, and can file the policy report right there. Having a police report on file for your insurance claim will be very helpful down the road.
  • Don’t discuss fault with the other driver or a police officer. Leave it up to the officer and insurance companies to determine it. Just explain what happened so the police can document it on their reports, don’t admit fault or place blame on the other driver.
  • Gather information. Take a picture of the other party’s insurance card and driver’s license if you don’t have a pen and paper available. Make sure to get their name, phone number, license plate number, insurance carrier and insurance policy number. If possible, take some pictures of the damage done on both vehicles.
  • Witnesses. If there are any witnesses at the scene who have stopped to help, get their information as well. It may be important in helping determine who is at fault later on.
  • Call your insurance agent. It may take around 10 minutes to get the claim started, so make sure you’re in a safe place and out of traffic to do this. If you are in need of a tow truck or a rental car, they can help you out with that as well.
  • Seek Medical Attention. It may take some time before you realize that you've been injured. Once the shock of being in an accident wears off, you might realize you’re swollen or sore in places. It doesn’t hurt to get checked out by a doctor. Make sure that your doctors document everything, in case your pain gets worse later on.

 

Contact a knowledge broker for more information on car accident safety.

Topics: Safety, Personal Insurance, Accident Investigation, car safety, car accidents

Driving South for Spring Break? Tips for Prepping Your Car

Posted by Lauren Oleniczak

Mon, Mar 16, 2015 @ 02:32 AM

Road TripWhen going on a long road trip, your car will suffer some inevitable wear and tear. Before leaving, it's important to prep your car by doing the following:

  • Check your tires for air pressure, tread, and general wear down. Tires are the most common cause of vehicle failure. While you can’t do anything about getting a flat tire, you can make sure your tires are safe to drive on. Have your mechanic check to see if your tires need to be balanced or rotated as well.
  • Check your brakes. Take note of when the manufacturer recommends getting the brake pads changed. Also have your mechanic check out your brake fluid. If it needs to be changed, be sure to get the brake line flushed, cleaned and filled with new fluid.
  • Get your suspension checked out. Shocks and struts can be expensive, but if you need new ones you will definitely feel the difference in your trip!
  • The second most popular cause of vehicular failure is the cooling system. Having this inspected and cleaned will not only identify any leaky or weakened hoses, it is also a very inexpensive type of maintenance.
  • You should definitely be having a mechanic look under the hood of your car before you go on a long road trip. Items to inspect include:
    • Your transmission. This is a serious and expensive part of your car, and can be very time consuming to get fixed. You don’t want to spend your vacation in the waiting room of a mechanic!
    • Check all belts for wear and tear. Failed belts are at best an inconvenience and could stop your entire road trip.
    • The exhaust system should also be checked out. If there are any leaks or holes in the system, it could be putting you and your passengers at risk.
  • Finally, you should do any routine maintenance that you may have been putting off. Oil changes, filling the windshield washer fluid, and replacing the windshield wipers are all important aspects of your car that you may need during your trip.

Hopefully this list will help you prepare for your Spring Break extravaganza. Have a safe trip!

Topics: Safety, Personal Insurance, car safety, travel, car, car maintenance, road trip