If you are going to drive an auto you need to learn the laws that govern its use. In most states of the union it is the law that you carry a minimum amount of liability auto insurance to cover the expenses if you cause an accident and either hurt someone or damage their property. Coverage that is required will vary from state to state as will the premiums on the auto insurance policies. You can go online to your department of motor vehicles and find out just exactly how much you are going to be required to carry to register your car in your state.
If you are involved in an accident be sure that you exchange the vital information with the other driver. Get their name, address, both car and driver’s license number and get the name of their insurer and their auto insurance policy number. If the damage looks excessive you should file a police report to back up your latter claims. In fact some states have laws requiring you to file a police report if the damage exceeds a minimum amount. In any case if there is a personal injury a police report should be filed. Be prepared to show the police your proof of auto insurance at the time as they will want to be sure that you are in compliance with the law.
Before you leave the scene of the accident be sure you look around for anything that may have contributed to the accident. Much of how you deal with your auto insurance company will depend on who is at fault. In this day of cell phones it is easy to get pictures of the accident and the surroundings. Have the time and date stamp put on them so there will be no question later on when they were taken. As long as your cell phone is out, call your auto insurance company and let them know you had an accident. The sooner they know about it the sooner they can start to process your claim.
If you chose the right insurance company to begin with dealing with the claim should be a no hassle procedure.
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Author: Shelly Maxim
Article Source: EzineArticles.com
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