Life Event: Automobile Accident

Cars. As a society we are dependant on them not only for work and transportation but also recreation. We learn to drive at a young age and most of us are licensed before we can vote.

Many families own multiple cars. They're everywhere we go, use them just about everyday, and yet many of us don't know what to do when an accident occurs. The good news is there are things you can do before a collision occurs to make the process smoother if it does happen. Just read on.

Who Was Driving?

• During an Automobile Accident what are your responsibilities as a driver?
• How can you protect yourself if you were stopped for Driving Under the Influence/Driving While Intoxicated?
• Traffic violations can take a toll on your insurance and your driving record.
• Single Car Accidents and insurance.
• What is the Parent's Responsibility for a Teenager's Accident?

Who Else Was Involved?

• If a driver was drunk, Dram Shop laws may apply.
• Whose Insurance Coverage pays when using another person's vehicle?
• Liability Law and Loaning Your Car: Who's at risk?
• When a government employee or agency is involved: Government Liability for Auto Accidents
• What happens if I have an accident while driving a Rental Car?

Where Did the Accident Happen?

• Parking Lot Accidents: Understand the issues
• Most accidents require a Police Report to determine who was at fault. What's in it and how will it be used?

Let's Talk Insurance

Most of us receive our annual insurance package, tear off the cards and put them in the cars without looking at the coverage details. If you haven't already become familiar with the package, now is the perfect time. Knowing how you're covered prepares you for any situation. Here are some of the things you'll want to consider.

General information

• Auto Accidents FAQ
• What is your deductible?
• Should I file an insurance claim?
• My Insurance has Lapsed. What can I do to reinstate it?
• Each state has its own Required Auto Insurance guidelines. Find additional information here.

Insurance Coverage Types

• Your guide to Auto Insurance
• What happens to my Insurance Rates after I make a claim?
• What is No-Fault insurance? Do I have it?
• Know what type of Uninsured Motorists Coverage you have.
• What is your coverage of Underinsured Motorists?
• GAP Insurance Policy what is it and how can it help me?
• What options do High Risk Drivers with Dropped Insurance have?

After an Accident Happens:

• No matter where the accident took place, here's What to do after an Automobile Accident.
• How does an insurance company determine the Value or Diminished Value of my car.
• Understand Auto Accidents and Estimates for Repairs for your car and how they impact the process.
• How does filing a claim work if both parties have Common Insurers and Claims Processing?
• May I use Use Insurance Proceeds to fix my vehicle?
• FAQs about insurance company Bad Faith. Know your legal options.

Was Someone Injured?

• Auto Accidents and Personal Injury Lawsuits: What are your rights?
• Recoverable Damages In An Auto Accident Lawsuit:What are the different types?
• Are there time limits on filing an Auto Accident Claim?

What Else Should You Do?

• If your car was defective, you could make a Product Liability claim.
• My car Repairs Were Substandard, is the insurance company responsible for correcting them?
• Are my automobile accident Losses Tax Deductible?