Winter Insurance Tips

winter

The cold winter season is here and with it often comes personal injuries on ice and an increase in automobile accidents due to slick conditions on the roads. The Indiana Department of Insurance has released tips on what you need to do to make sure you are ready for all of what Winter may throw at you. We have those available at (station website)

What to Do If You Are In an Automobile Accident
· Call the police.
· Call your insurance agent or company to report the incident as soon as possible. Ask your agent what documents, forms and data you will need.
o To take the stress out of filing a claim after an accident, use WRECKCHECK. It’s a free smartphone app that walks you through the process of gathering information following an accident. You can then email the report directly to your insurance agent.
· Obtain the following information: The names, addresses, telephone numbers and driver’s license numbers of all persons involved in the accident, and any witnesses.
· Record the time, date, location, road conditions, make and year of vehicles involved, apparent damages and injuries, and your version of what happened.
· Take notes each time you talk with your insurance company, agent, lawyers, police or others involved in the situation. Write down the dates, times, names and subjects you talked about, as well as any decisions or promises made.
· Ask your insurance company if you have coverage for a rental vehicle if your car is not drivable. Save all receipts and bills, including those from renting a car or having your car towed and/or stowed.
Officials also say to check your automobile insurance for liability limits to make sure you have adequate protection against injury or damage in case you or one of your drivers causes an accident, whether it’s a minor fender bender or a multi-car incident. To protect your vehicle, you should consider having the appropriate level of collision and comprehensive coverage to pay for damages to your own vehicle.