Car accidents are scary. No matter how safe and careful you are as a driver, sometimes things happen that are out of your control. The weather could make visibility poor or the roads slick. An animal may run out into the road in front of your vehicle, causing you to swerve.
Doing your best to keep your vehicle in good condition and being an alert driver are essential to avoiding most preventable accidents. However, what happens if you can’t avoid it and you end up at fault for causing an injury or damage? Read on for some tips on how to work with your OH Car Insurance and handle the fall-out of a car accident.
First Steps You Should Take
If you find yourself involved in a vehicular accident, the first thing you need to do is assess yourself and any passengers for injuries. Call for an ambulance if anyone needs medical attention.
Next, you should call the police to report the accident. It’s a smart idea to take pictures of the damage to both vehicles involved. You will also need to exchange insurance information with the other driver and then report the accident to your insurance provider.
Determining Who Is at Fault in a Car Accident
The person at fault is responsible for paying for the property damage and possibly the medical bills of the harmed party. This is why you need to be clear over who caused the accident.
Speaking with witnesses, viewing camera footage from the vehicle and other sources, and observing the positioning of the cars and the damage is the best way to determine fault. An insurance adjuster may need to review the evidence. If the fault cannot be easily determined, the police may conduct an investigation to look into the incident more closely.
Know Your Insurance Coverage
What type of OH car insurance policy do you have? If you are at fault, liability insurance will cover the costs of the other party, but not your own damages. You need collision coverage or additional supplemental insurance to prevent the need to pay out of pocket for your vehicle’s damage or medical bills. Some states require additional levels of coverage such as personal injury protection or MedPay.
What Could Happen Next
When you are at fault in a car accident, there is a chance that your insurance premiums will increase for the next few years, unless you have accident forgiveness coverage. Work with your provider to determine which OH car insurance policy is best for your needs.
Take the necessary precautions and follow the law by obtaining good insurance coverage. You will eliminate some stress and anxiety when you know you have the protection you need should something unfortunate happen.
About Haughn & Associates
Founded by Michael Haughn in 1986, Haughn & Associates is a full-service, family-owned, independent insurance agency based out of Dublin, Ohio. H&A strives to provide the best possible price and unique insurance solutions across a myriad of industries, including construction, IT, Habitation & Commercial Property, Agriculture, and Engineering. Devoted to providing the best of business insurance, life and disability insurance, personal insurance, employee benefits, and bonds, H&A is proof that success lies in long-standing client relations and satisfaction. To learn more about how H&A can be of service to you, contact us at (877) 802-2278.
