All posts in Auto Accident

What Every Driver Should Know Prior to Experiencing a Roadside Incident

Being in an accident can unfortunately be a stressful and even painful experience. You may suffer from injuries, and you may deal with emotional distress associated with the accident. Financial issues and legal trouble may also be problems that you need to deal with. You may be able to mitigate some of these potential issues if you’re properly prepared. Here is what you should know before anything happens:

You Need to Call the Police

You have to call the police no matter what. That is true even if you’re involved in a minor fender or if you strike something other than a vehicle. This is because the police will need to determine if any laws were broken. They will then need to prepare a police report. Remember that your insurance company will ask to see a copy of the report when you file a claim. You or the police may also need to call a tow truck, like those from Inproof Towing, Transport & Emergency Services, to the scene.

You May Not Feel Injuries Right Away

Law enforcement officials will ask if you need to receive medical attention from the EMS. Some people may have obvious injuries that clearly require medical attention. In other cases, the shock and adrenaline from the event may mask injuries. In fact, it may even be a day or two before you feel pain. If you are offered medical attention, you should consider getting a checkup just in case.

Your Actions Could Have Legal Consequences

It may seem at first like the other party caused the accident. Yet, you should remember that your own actions may have played a role as well. For example, distracted driving is a leading cause of accidents. This may include talking on the phone, texting, eating, applying makeup, smoking and more. This is just one of many ways that you may have to deal with legal ramifications as a result of the accident.

You Must Carry Proof of Insurance

Regardless of how seemingly minor the accident may be, you need to provide proof of coverage. This is something that you’ll have to show both the police and the other person involved. If you don’t have insurance or if you don’t have proof of coverage available, you may be cited. This can increase the stress that you may feel as a result of your accident.

Accidents and other types of incidents generally occur out of the blue. There is never an ideal time for something like this to happen. That is why knowing the above information prior to such an event is absolutely important.

Crunched Up Your Car? 3 Strategies To Affordably Get Back On Your Feet

If you have been in an accident that resulted in your car being severely damaged or totaled, you could be facing a large repair bill. However, there are ways in which you can repair or replace your vehicle in an affordable manner. Let’s take a look at how you can resolve your transportation issues without spending too much money.

You May Be Able to Repair Your Car Yourself

Depending on the extent of the damage and your experience with cars, it may be possible to do some or all of the repairs yourself. By doing the work on your own, you only have to pay for the parts that you need as opposed for paying for parts and for labor. This could reduce repair costs by hundreds or thousands of dollars, and it may help you feel better about the job being done right.

Deciding Whether to Repair or Replace Your Car

If the cost to repair your car is roughly equal to or more than the cost of a new car, it may be a good idea to consider buying a new vehicle. A new car may come with safety features that can help you get over your fear of driving after your accident.

It may also come with entertainment features that allow you to keep the kids occupied on a long road trip or during the daily commute to and from daycare. However, if you can’t afford to commit to a car payment for more than a year or two, going to a smash repair shop, like, may be the better option assuming that the car can be adequately repaired.

How Is the Public Transportation In Your Area?

In some cases, it may not make sense to either repair or replace your vehicle. Instead, it may be best to take the train or a taxi to work each day. If a service like Uber or Lyft is available in your area, you may be able to take day trips to neighboring cities or get home for the holidays without spending too much.

After a serious accident, you may be worried that you won’t be able to afford to fix or replace your vehicle. However, if the accident wasn’t your fault, you should be able to get money either from the person who hit you or your insurance company. Even if the accident was your fault, you may only have to pay the deductible on your policy with your insurance company covering the rest of the cost.

Five Safety Tips to Follow During a Fender Bender

Even a seemingly minor collision can often be a jarring and disorienting experience. Knowing how to react to a fender bender ensures that drivers and passengers can address any potential safety hazards that may be encountered at the scene of an accident. The following five safety tips can help ensure that prompt and effective action can be taken in the moments following a collision.

One: Avoid Moving Injured Parties

Attempting to move someone who has sustained an injury can often lead to further harm. Even drivers who have been injured during a collision may put themselves at greater risk by attempting to exit their vehicle. The best course of action is to wait for help to arrive if there is any doubt regarding the nature or severity of an injury.

Two: If the Scene of an Accident Remains Unsafe – Stay in the Vehicle

Fender benders can occur in many different situations. Assessing the potential risks posed by street traffic and other hazards should always be done prior to exiting a vehicle.Find a safe space to pull over before getting out of the car.

Three: Call for Help and Assistance Promptly

Contacting the police or calling for emergency medical services following an accident should always be done without delay. Prompt medical care is never an issue that should be overlooked and the police are often essential when it comes to assessing the scene of an accident or directing traffic.

Four: Ensure Vehicles Are Safe to Drive

Having a professional look over any vehicle that has been involved in a collision can be of paramount importance. Overlooking any damages or mechanical issues that may pose a potential safety hazard can be nothing short of a disaster later on.

Five: Seeking Legal Assistance

The services of a qualified injury attorney can be a valuable asset following a collision or other accident. You can talk about options for hit and run victims, to things like car repairs with an experienced attorney. From dealing with insurance claims to seeking financial compensation in order to cover the costs of an accident, access to an experienced lawyer can become a very important concern.

From exiting a vehicle too soon to overlooking the resources and opportunities needed to deal with the legal consequences of an accident, there are many mistakes and oversights that drivers commonly make after an accident. Staying calm, assessing the scene of an accident, and keeping an eye out for potential safety threats and hazards can all make quite a difference. Drivers who know how to react following an accident are far more likely to avoid any potential issues or concerns which may create further problems.

3 Things to Do if You are in an Accident with an Uninsured Motorist

There is nothing more frustrating than dealing with an accident you did not cause. The one thing worse than dealing with a wreck on the roadside is finding out the other motorist has no insurance. Here are three primary steps below to take if you are in an accident with an uninsured driver at fault.

Step 1: Exchange Information with the Other Motorist and All Witnesses

Calling the police to arrive at the scene is protocol, and the police will get the other driver’s information, but you need to have it too. This is the when you will learn that you have just been hit by an uninsured driver. Get as much information about the driver as you can, and write down everything about the other vehicle as the plate number, notes about damages to their vehicle and take a few pictures.

Most importantly at this stage, if there are witnesses, get their info too because it will officially be a criminal case. Driving without financial responsibility is a crime and it can get you into serious trouble. It will also depend on the severity of the accident that you have been involved in as well.

Step 2: Contact and Inform Your Insurer You Had an Accident With an Uninsured Driver

Your insurance company will not be happy to hear about the situation, but depending on your personal circumstances, there are things they will have to do for you. Hopefully, you have an uninsured protection plan for property damage and personal injury because you have paid for your insurance company’s protection no matter the circumstances. In the event you do not have this as part of your personal, then your agent will have to guide you through the next steps.

The other driver will have a difficult time. The court will likely force them to obtain special insurance to clear their license, and they will have to file for SR-22 insurance through the state or find a credible insurance company that offers SR-22 like the Great Northern Insurance Agency.

Step 3: Meet With Your Insurer and Get Your Car Taken Care Of

You are going to need to sit down face to face with your agent and get into the details about repairing your vehicle. The uninsured motorist protection plan should take care of most or all of the repairs as if the other driver had insurance and was fully covered. If you do not have this extensive protection, you will not have the coverage needed to fix your vehicle, and hopefully, the damage would be mostly cosmetic leaving a running vehicle for you. If not, then there is only one other avenue to recuperate your losses. You have to go to court.

You will be angry having to deal with all of this, but it is good to know there are options. Having special insurance is the best preemptive route, but you may have to aggressively recuperate funds by suing. Hopefully, they have something worthwhile to get to improve your situation. Just remember the steps above in the event of you collide with a financially irresponsible driver.

Slip-Sliding Away: 3 Tactics To Avoid Car Accidents This Winter

The winter months bring a lot of nasty weather that can leave the roads coated in ice and snow. Even if it is warm enough for a storm to bring rain instead of ice or snow, it is still easy to get into an accident. What are some things that you can do to avoid getting into a car crash this winter?

Check Your Car Before You Leave

Before you leave home, school or work, make sure that your car is in good physical condition. If you notice that the tires need air, don’t hesitate to find a gas station and inflate them right away. Better yet, you can buy a portable inflation unit that allows you to complete the task quickly and easily no matter how much experience you have with car maintenance. Other issues to look for include fluid leaking from the car or the car not starting when you turn the key.

Don’t Drive Faster Than Road Conditions Allow

The easiest way to get into an accident is to drive too fast for road conditions. Even if the speed limit on the highway is 55 miles per hour, you should go 10 to 20 miles per hour under that in a snow or rain storm. This ensures a safe following distance and lowers the risk that you will skid or slide off of the road.

Avoid The Roads If You Can

If you know that it is going to snow or otherwise be hazardous outside, you should just stay home if you can. In the event that you have to go to work, you could call your boss and ask to come in late or work from home instead of putting yourself in danger. Most employers would rather lose you for the day as opposed to risking your long-term safety.

What If You Are In An Accident?

After an accident, the first thing that you will want to do is call an attorney, like the professionals at Randall A. Wolff & Associates, Ltd. He or she will review the case and let you know how to get any compensation that you may be entitled to. Having in mind which lawyer you would like to use well before any car accident is also a great idea as it will be one less thing that you have to worry about.

Car accidents are never fun regardless of when they occur. However, winter crashes may be more dangerous because you could be stranded in cold weather for hours at a time. Therefore, it is in your best interest to avoid them at all costs through good planning and safe driving habits.