All posts tagged auto crash

After the Car Crash: 4 Details You Must Record to Protect Yourself

car crash

Car accidents are a terrifying and traumatic experience. When one happens, you will need to think and act quickly to begin recording details of the car accident to protect yourself during the insurance investigation. Here are some of the most important details you should record.

Damages

Once you’ve ensured that you and your passengers are safe and aren’t in need of immediate medical attention, be sure to exit your vehicle (if able) to survey the damages to your car. While you’re looking over your car, it is vital that you take pictures of the damages your car possesses due to the accident. To protect yourself in the inevitable insurance litigation, it would also be wise to take pictures of the other car involved in the accident. These pictures will serve as visual proof of the true extent of the accident to both insurance companies.

Witness Testimony

Car accident litigation can prove to be a messy and challenging ordeal. To protect yourself during a possible trial or negotiation process, it will be highly beneficial to you to record any testimony from those who witnessed the accident. This sort of situation would most likely fall into the realm of personal injury law. It’s common for the other person involved in the accident to refute your version of events. Sometimes individuals aim to move the blame onto you and thus make you responsible for the financial burden of the accident. Acquiring eyewitness testimony can help to prove your version of events and will help your personal injury lawyer with arguing your case.

Traffic Details

Car accidents can be caused by a multitude of factors, many of which can be attributed to details of the traffic in the area and the traffic signs or notifications. Car accidents do occur because someone ran a red light or didn’t stop at a stop sign. Because of the importance of the traffic signs and notices in the area, it is essential that you record any traffic signs, notices, markings, or lights that are in the area of your car accident. Recording these details may help to prove who was truly at fault for the accident and see that justice is served.

Day, Time, and Weather

These details may not seem important to you at the time of your accident, but recording these small details can help in any upcoming litigation or negotiation regarding financial restitution for your damages. Recording the date and time can help to create a timeline of events leading up to the accident. Recording the weather helps protect you if bad weather happens to be the cause of your accident.

When you experience a car accident, it is right and legal to trade your name, car information, and insurance company information with the other person. Also, record their license plate number as an added precaution.

Car Crash: How to Financially Recover from an Accident with No Insurance

car crash

Auto accidents happen every day to hundreds of people around the world. Fortunately, not every car accident happens in injury and serious loss. However, if you’re trying to recover from an accident with little to no auto insurance, you may have a harder time getting back on your feet. Below, are a few ways you can financially recover from an accident with no insurance.

Create a Budget

If you are unable to file a claim or get a settlement following your auto accident and have a few large bills to pay off, it’s important to create a budget so you can afford to pay them off. First, you should use your emergency funds to see what you can initially pay off, but the leftover money should be reworked into your budget so you can offset the costs. Creating a budget, in general, is important to do so you can cut out useless spending and put more money in your savings account for emergency situations like this in the future.

Take out a Payday Loan

Following a serious car accident, especially if you need to recover from injuries, you should consider taking out payday loans from a place like no credit check cash advance. These kinds of loans are offered by a private lender and give you money before your “payday,” so you have immediate funds. However, if you’re out of work for an extended amount of time due to recovering from injuries, this type of loan can help get you on your feet and help you get on track recovering financially from a serious car accident.

Try Peer to Peer Lending

To help yourself financially recover from a serious accident with no auto insurance, you should consider taking advantage of peer to peer lending or crowdsourcing. For crowdsourcing, fortunately, you don’t have to pay off what is rewarded to you, and you can use platforms like Kickstarter and IndieGoGo. However, if you want to use peer to peer lending, you’ll be paired with a private lender that will offer you cash upfront at a certain interest rate. Going down this road, you’re going to want to look into peer to peer lending platforms like Avant, Prosper, and PeerForm.

Get a Side Gig

A way to finally recover from an accident with little to no risk is to get yourself a side gig that will offer you another source of income. Fortunately, there are plenty of jobs out there that you can do in your free time, such as starting your own business. However, it may be hard to get a driving side gig following a serious accident. But, there are plenty of retail jobs out there that you can apply to. Once you get a side gig, you should then use the extra income to rebuild your emergency savings account and pay the bills from your accident.

Ask for Professional Help

Ultimately, to financially recover from an auto accident, you may need to get professional help from a personal injury lawyer. This professional can help you get some settlement, even if you don’t have insurance. Also, a personal injury lawyer can help represent you in court and fight a slow insurance company on processing your claim. Unfortunately, personal injury lawyers tend to have a bad stigma around them, but they’re essential to recovering from a serious car accident.

It can be challenging to financially recover from an accident with little to no auto insurance. However, with help from this article, you should be able to get yourself back on your feet a little easier. We wish you the best of luck recovering from an auto accident and hope you can get your finances back on track with little risk.

Disastrous Crash: Should You Scrap Your Car?

After a serious car accident, your car can be severely damaged. This begs the question of whether you should repair it or opt to scrap it instead. While the answer may not be the same for everybody, let’s look at some good reasons why it may be best to get rid of your car as opposed to repairing it.

The Insurance Company Declares It a Total Loss

If your car insurance company declares your car to be a total loss, they will write you a check for its current value. In the event that this amount is more than what you owe on the car, you may want to consider getting a new vehicle. However, should you owe more than that amount or think that the insurance company isn’t offering you true market value, you may want to get a second opinion. It also may be a good idea to talk to Toledo car wreck lawyers about a possible personal injury case if another driver caused the crash.

The Car Suffered Frame Damage

Cars that have a rebuilt frame may not be as sturdy as those who still have their original frames. In addition, the car will not be worth nearly as much after a serious accident even if there isn’t any work done to the frame. Therefore, it may the better decision from both a financial and safety standpoint to get a new car.

How Old Is the Car?

If your car is more than a few years old, it may be a good idea to scrap it and get a new one. However, it may be best to at least get some repair estimates if you are driving a vintage automobile or a luxury vehicle regardless of its age. In such a scenario, it may be worth your time and money to restore it if you really like the car.

How Valuable Are the Parts?

There are times when selling the parts to a car individually nets more than selling the car as a whole. If you can salvage some of the car’s components, you may want to think about getting rid of the car and selling those components online to raise money for a new vehicle.

If you have been in a serious accident, the most important thing is to make sure that you and others involved are OK. However, once you have gotten yourself checked out, it’s time to decide what to do with your damaged vehicle. Talking to your insurance company or with a trusted mechanic may help you decide what the best option is for you.

Five Steps to Avoid a Car Crash This Winter

Icy conditions and snowy roads are always treacherous times to drive. This winter has already delivered dangerous situations for many drivers. Weather contributes to 25% of all car accidents, and ice alone makes up 12%. Avoiding an accident and making your commute safer in these conditions isn’t hard, but there are some important steps to follow.

Be Properly Equipped

During the winter, conditions can change quickly, and it’s paramount that your car is properly prepared. Make sure your vehicle has been recently inspected before heading out this season. Keep your antifreeze topped off, windshield defrosted, and headlights in working order. Properly inflated tires are essential in winter conditions, but be sure not to over inflate. Consider putting together a small kit with extra warm clothes, gloves, flashlight and blanket.

Slow Down

Even if you drive the same route every day, you need to give yourself ample time in case of backups or icy roads. It can be easy to treat a winter’s drive like any other commute and fall into habit. Stay alert and take things slow. Remember, you have lost a lot of traction. Avoid tailgating and taking sharp turns at speed.

Be Aware of Ice

As water freezes over night, it picks up many of the oils and gravel in the roads, becoming near invisible. As the day heats up, a thin layer of water forms over the top, making the ice extra treacherous. Pay attention to your local traffic reports and watch out for overpasses and bridges near water.

Don’t be Afraid to Stop

If you find yourself drifting, pump your brakes gently to avoid locking the car up. Turn into the direction of the skid, and slowly steer out of it. If you feel uncomfortable driving in these conditions, consider staying home or pulling over until the weather has cleared. Preventing an accident is better than managing through one.

Assume Drivers Can’t Drive in Winter

Every winter will be the first for many young drives. Even experienced drives tend to forget many of their basics in extreme weather. In these environments, cars can simply drift into one another even when both parties are doing their best to control their vehicles. According to a personal injury attorney in Portland, you should try to avoid driving alongside other vehicles, and watch those around you for signs of skidding. Leave a car’s length between you and other drivers. This is especially important when driving at higher speeds and on exit ramps.

Winter plays havoc on the roads, and it’s impossible to avoid all icy conditions. With these steps and your own vigilance, you can avoid most of what winter can throw at you and your vehicle. Any accident, even a slow collision on ice, can cause injury so make sure you’re prepared before one has the chance to happen.