Traffic Safety & Facts from a Lawyer, Louisville Kentucky
Before hitting the road, understand your auto insurance policy. Your insurance follows the vehicle, not the driver. It is imperative that you always keep a copy of your current insurance card in the car with registration and other important documents.
Start by asking your insurance agent to explain the important aspects of your policy to you, including deductibles and liability limits. You may even want to consider adding uninsured or under-insured motorist coverage to your policy if your insurance provider offers it. This clause could help protect you if you are in an accident with an uninsured or under-insured driver, and the accident was their fault.
If you are a parent with a teen driver, make sure you sit down with them and talk about the risks of unsafe driving before you hand over the car keys. Research shows that teens whose parents establish rules associated with driving privileges are less likely to get in a crash.
After an Accident
Getting into an accident can be stressful and chaotic; it’s difficult to remember what to do immediately following a wreck. Many people are unsure about what information they need to share with and collect from the other driver. While individual state laws may vary, in most cases, you only need to provide your name and insurance information. Divulging more than that, such as your address or driver’s license number, could put you at risk for identity fraud.
It is important to do the following upon a wreck:
- Remain calm and assess the scene. Do not get out of your car if it is not safe to do so.
- Call the police (911) and inform them of any injuries. If the police are not dispatched, file an incident report. This may assist you with your claim.
- Be courteous, but do not admit fault.
- Get names and contact information of any witnesses.
Filing the Claim
It’s best to start the claims process as soon as possible, while the details of the accident are still fresh in your mind. When you call your insurance company or agent, have available the police or incident report, your insurance information, and a copy of the accident report that you created at the scene. Take notes, including the name and contact information of the person you spoke with, during any conversations you have with insurance companies, claims adjusters or auto shops.
Your insurance company should be able to file the claim and work with the other insurance companies on your behalf. Keep in mind that you may be asked to do an interview with the other driver’s insurance company so that they can investigate the circumstances of the accident as well. A claims adjuster or auto repair shop will likely examine the damage to the car and talk with you about the accident. Your insurance company will use the adjuster’s findings as the basis of their settlement.
-More than 5.6 million police-reported motor vehicle crashes occurred in the United States in 2012.
Twenty-nine percent of those crashes (1.63 million) resulted in an injury, and fewer than 1 percent (30,800)
resulted in a death.
– Midnight to 3 a.m. on Saturdays and Sundays proved to be the deadliest 3-hour periods throughout 2012, with 988 and 1,050 fatal crashes, respectively.
– Sixty-one percent of fatal crashes involved only one vehicle, as compared with 32 percent of injury crashes and 30 percent of property-damage-only crashes.
– Collision with another motor vehicle in transport was the most common first harmful event for fatal, injury, and property-damage-only crashes. Collisions with fixed objects and non-collisions accounted for only 18 percent of all crashes, but they accounted for 45 percent of fatal crashes.
– Thirty percent of all fatal crashes involved alcohol-impaired driving, where the highest blood alcohol
concentration (BAC) among drivers involved in the crash was .08 grams per deciliter (g/dL) or higher.
– For fatal crashes occurring from midnight to 3 a.m., 62 percent involved alcohol-impaired driving.
Consumer Alert Traffic Safety Louisville Kentucky Lawyer
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