Are Accidents Putting a Dent in your Plans?

It’s August, and you’re trying to get those last few beach trips and adventures in before summer comes to a close. But with all of the action on the highway from like-minded citizens— an accident could definitely put a damper in your plans, but it doesn’t have to ruin your day! During the summer months car accidents, fender benders and damaged car windows are the highest reported claims. Do you know if your auto insurance will cover it?

Auto insurance is meant to protect you by covering your bills after an accident. However, the amount of compensation can vary greatly depending on the type of claim that is made by insurance carriers and the value of your vehicle. The decision to have your vehicle repaired or declared a total loss directly impacts how much you receive.

 According to the Insurance Institute for Highway Safety, summer months are the most dangerous time to be on the road with accidents in August ranking the highest in volume. Not only do we want to keep you safe, but we also want to make sure you are prepared for the worst.

Not sure if you’ve got your ‘I’s dotted and ‘T’s crossed? Here’s a quick reminder of some important factors to take note of when filing an auto claim:

1.       Contact your insurance company, and have the following prepared

a.       Which covered vehicle was involved

b.       Who was driving

c.       Location and time of the accident

d.       A description and severity of damages

e.       The name and insurance information of others involved

2.       File a police report

3.       Wait for an adjuster

4.       Get a report from the insurance adjuster

5.       Accept payment

Although we can’t guarantee your safety all the time, we can ensure you’re prepared to handle these pesky events. Contact us today to learn more.

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