United States Car Insurance Quotes

Studies have shown that Americans are more likely at risk of auto accidents because over 6 million auto accidents per year are recorded in the United States only.  Auto insurance is a great defense for auto accidents.   It is essential to examine all available insurance quotes and rates in shopping for auto insurance. During accidents, you must know what to do to save your time and effort.  See auto insurance quotes.

Q:  During an accident, what is the first thing you should do?

A:  Suppose there are no injuries, you must do the following:

1.     Notify the police.  Have your own copy of the police report for further claims. Be cautious in doing a settlement with the other party. 

2.     The police will determine who was at fault to avoid arguments with the other driver.

3.     Do not forget to ask for the driver’s name and insurance information.

4.     If you brought along your camera, capture the damage on your car and the entire scene. 

5.    At home, inform your auto insurance company about the accident to get a claim.  But if the other party was at fault, be the one to contact their insurance company. 

 Your primary goal is get all relevant information to our advantage.  Always keep in mind that honesty is important in making your statement.

Q:  Whose insurance company reimburses the damages to my car?

A:  Your damages are covered by your collision coverage when you crash into another car or a fence. Without this coverage, you will pay for your own repairs.  Drivers withdraw their collision coverage for old cars because of the expensive repair.

 Repairs will be shouldered by the liability auto insurance of the driver at fault. It is what you call a “third party” claim since another person makes a claim on their insurance.

 In places where they observe the “no fault” stage, your insurance company compensates for the damages made.

Q:  Is it necessary to use their body shop for repairs?

A:  Yes, you can choose any of your desired auto shop for repairs.   But, it is less hassle to use the same body shop.   These companies have customer service who do all the work for you and making sure that repair is done well.

It is understandable to not fully know what to do at times of accident.   Remember these tips when you encounter an accident.  Automoblie insurance companies come in handy during accidents since they handle most of the work for you.  Auto accidents are dreaded by most people yet there is no harm in preparing yourself for the worst.