6 Steps to Take Following a Vehicle Collision

Vehicle collisions happen each day to drivers of all ages. They are part of life in big cities and small towns. Knowing the correct actions to take following an auto collision can have a lasting impact on insurance premiums and possible legal repercussions. Take the correct measures to stay protected. Here are 6 steps to take following a vehicle collision:

1. Get to Safety

The action to take following an auto collision is getting to safety. Depending on the situation, this could mean moving a vehicle safely to the shoulder or exiting the automobile immediately. Always place safety as the top priority above all else. Create distance from moving traffic and other hazards before moving ahead.

2. Evaluate for Injury

A vehicle collision sends the adrenaline response into overdrive. Shock can distract from injuries. Check for personal injuries and encourage all others involved to do the same. If any back or neck injuries are suspected, immobilization is recommended. Any medically trained personnel can perform first aid if the situation allows.

3. Contact First Responders

After moving to safety and applying immediate first aid, call 911 and request aid. This is recommended any time there’s a vehicle collision, regardless of severity. Injuries may take days or longer to appear. Additionally, insurance carriers may reference official records following a vehicle collision.

4. Collect Information

With safety and first aid under control, it’s time to collect pertinent information from the people involved. More than driver name and car insurance carrier, thoroughly record the scene. Take photographs of the vehicles, damage, and the scene. Speak to the first responders to gather any relevant information. Trauma can affect short-term memory. Record responses for simple reference and accuracy.

5. Be Cooperative 

Following a vehicle collision, you may be in a heightened state of emotional response. This can make it challenging to be cooperative with other drivers and first responders. Other drivers are likely energized as well and may be challenging to communicate with. Be part of the solution.

6. Exercise Neutrality

One of the first gut responses following a vehicle collision or other trauma is talk it out. It’s perfectly natural yet following a vehicle collision a casual remark may cause trouble. After a vehicle collision, stay neutral with other drivers, witnesses, and responders. This includes remaining silent on social media channels. Inadvertently admitting fault may lead to increased insurance premiums and more.

Afterward, contact an insurance agent to report the collision and begin a claim. Agents are ready to help overcome vehicle collisions so you can get back on the road. Auto collisions are equal-opportunists and can happen anywhere. Prepare with comprehensive auto insurance and drive protected.


read more

Update Home Insurance & Cover Natural Disasters

Homeowners are taking too many risks with insurance coverage. According to a recent study by the National Association of Insurance Commissioners (NAIC), only a small percentage of homeowners plan for natural disasters when updating insurance plans. Approximately 4/5 homeowners are lacking sufficient insurance protection. Saving a couple of bucks today may cost a lot tomorrow. The Commission encourages all homeowners to consider updating insurance plans to include adequate coverage for natural disasters.

This past year, the nation watched as Houston and the Gulf states were struck by catastrophic flooding. In the Southwest, Northern Nevada was subject to catastrophic flooding as well. Many of the local homeowners found only too late their homeowners’ insurance policies lacked coverage for floods. In California, wildfires have ravaged the landscape leaving the door open for mudslides and erosion.

For most damages caused by natural disasters, additional insurance protection is required. The Commission’s survey found over half of homeowners were unfamiliar with their insurance policy. Between 2005 and 2015, natural disasters led to $24 billion in insurance claims. For those with protection, that’s a lot of savings.

Speak to an agent to review and update your homeowners’ insurance policy. In some cases, insurance coverage will have a mandatory waiting period before taking effect. Before disaster strikes, ask an agent about extra insurance protection for:

  • Earthquakes
  • Hurricanes
  • Flooding
  • Wildfires

A local agent will be familiar with other potential hazards specific to the area.

Additional questions to think about when updating a homeowners insurance policy include:

  • Were any changes or upgrades made to the home?
  • Has the number of home occupants changed?
  • Have any valuables been added to the home?

Matching homeowners insurance protection with the property protected will ensure compensation is swift and appropriate in case of a natural disaster.

Take steps to help keep home and property safe during a natural disaster. Always stay aware of local emergency warnings and follow official instructions for evacuation and disaster response.


read more

Misleading Insurance Carriers Can Cost You

Drivers may be leaving some details out on their insurance policies. A lot of drivers it would seem, as a recent poll found over 80% of drivers fudge the details when obtaining a car insurance policy. There are a number of ways to save on car insurance from safe-driver discounts to policy bundling. Falsifying details to save money will likely cost more in the long run.

According to the survey, the top 5 ways drivers try to mislead insurance carriers are:

1. Misrepresenting annual mileage
2. Listing an incorrect primary driver
3. Falsifying the purpose of the vehicle (personal, commercial, etc)
4. Submitting misleading information about vehicle location
5. Omitting previous insurance claims history

For most people submitting false information, the primary motivation is financial gain. This is a risky gamble with potentially costly consequences.

Insurance carriers are on the lookout for this. Insurers are likely to void policies with intentional omissions or misrepresentations. This can be particularly risky in case of a claim as falsified policies may be dropped right when you need coverage most. That means that in case of a car accident, drivers can find themselves on the hook for extensive medical and property damages.

Falsifying insurance documents can have long-term impacts on insurance policy availability and the prices for premiums. Insurance carriers may be unwilling to carry policies for a driver with a history of telling “white lies”. Beyond higher future premiums, there is more than continuous auto insurance coverage at stake. Call it what you may, a “white lie” is an intentional omission. In the eyes of the law, this is considered insurance fraud, punishable by both fines and incarceration.

On the brighter side, it’s still possible to get great rates on comprehensive auto insurance plans. Our agents can help find the maximum number of discounts for honest coverage at affordable rates.


read more

Personal Auto Policy Voided Because of Business Driving

Entrepreneurs utilizing personal vehicles for business may want to consider extra insurance protection. Making deliveries and service calls with personal vehicles may limit insurance coverage. This can be true for accidents while working or while on personal business. A local small business owner learned this the hard way. On the way to visit a friend there was a collision resulting in significant damage to the vehicle. Although her personal policy would generally cover the damages the insurance company denied the claim. Personal auto insurance policies extend to protect many small business owners yet in some cases, vehicles employed for specific commercial purposes may be excluded from coverage.

Most small business owners are protected under personal auto insurance policies. In some cases though, the commercial purpose for the vehicle may limit or forfeit coverage. For cars and trucks performing deliveries, equipped with commercial license plates, carrying passengers and emergency vehicles extra insurance coverage is necessary. In this case, the driver owned a small business selling heaters and a small part of that included deliveries.

The owner recently switched insurance carriers online to save money. Checking the box during the quotation process, they reported 30% of the vehicle mileage related to business purposes. Reviewing the insurance claim and the business services after the collision, the claim and repayment were denied. Shocked, the business owner learned the limits of personal auto insurance protection too late. This leaves the owner with a damaged personal and business vehicle, without compensation from the auto insurer.

Business owners mixing personal and business trips with the same vehicle may want to consider extra insurance protection. For more information on personal and commercial auto insurance policies contact an agent. We’re always keeping up with insurance-related topics that may impact health or wallet. For any questions about insurance, call anytime for answers.


read more

Watch Out for Deer

Watch Out for Deer

Fall is here in full effect. With the red and golden landscapes, hot cider and crisp air comes an increase in car insurance claims due to animal-related crashes, especially from deer. November is the peak month for deer-related crashes nationally and Virginia leads with the highest number of occurrences. Because of this, the State Corporation Commission’s Bureau of Insurance encourages all drivers to be careful when driving, especially early or late in the day in areas where deer are present.

Virginia State Insurance Commissioner Jacqueline K. Cunningham reports deer mating season and associated movement patterns are the primary reasons for the increase in deer-related car accidents during the Fall season. She encourages Virginia drivers to watch out for any types of wildlife on or near the highway. Cunningham recommends contacting an insurance agent for specific coverage.

Insurance protection from damages related to accidents involving deer or other animals is optional, commonly grouped with other optional collision protection. This includes situations like flooding, fire, theft, and criminal damage. Bear in mind that basic plans for liability protection will not cover damages to a vehicle or occupants caused by collisions with deer or other animals.

At last half of all accidents involving deer occur during the last quarter of the year; the months of October, November, and December. During this time of year, the beautiful changing seasons draw more traffic to scenic wooded locations. At the same time, deer mating seasons leads to a marked increase in activity, while reduced daylight hours limit roadway visibility. All these lead factors and more lead to an increase of vehicles and deer sharing the same stretch of road.

According to the National Highway Traffic Safety Administration, more than 1.5 million collisions with deer are recorded each year. These lead to a shockingly-high 200 deaths per year, and more than 10,000 injuries of varying degree. These collisions cause monetary damages in excess of over $1 billion annually.

During the Fall, deer are going to be on the roadway. To help decrease the chances of hitting deer while driving, exercise caution while driving through wooded areas. If you spot deer, slow down and be prepared to stop if the deer enter the road. If a collision is unavoidable, stay in the proper lane decrease speed as much as safely possible to limit damage to the vehicles and persons involved. If a deer is struck, call the police and your insurance agent as soon as safe to do so. Take pictures of the crash site, vehicle damage and any damage to the vehicle. In the case a claim is submitted, these will likely help. Check for leaks, tire pressure, light function, and inspect for damage. If the car feels unsafe to drive,c call for a tow.

We’re always looking for good information about insurance subjects that may impact your health and wallet. Reach out any time for any insurance-related questions.


read more