Many people will go through life without ever being in a car accident. For those who do find themselves in the unfortunate position of being involved in a car accident, whether they caused it or the other driver, they want to make sure they do everything correct. Usually, at the scene of an accident most people are shaken and not thinking clearly, we'll cover what you should do when you are involved in an accident.
The sounds of metal scraping metal and breaking glass are over and all cars involved have come to a complete stop, now what? Some of the first things you want to do is check to see if anyone in your car is injured and if you are capable, check on the other passengers in the other vehicles to see if they are injured. You may not need to call the police, if the damage is very minor. If you feel, however, that the other person does not have insurance and they are at fault then have the police come. They can get help get the information from the drivers to exchange. Make sure you get all the information you can. Some of the things you need to exchange are: names of the driver and passengers, registration information, insurance information, and phone numbers. Unless you are being loaded into an ambulance, do not leave the scene of the accident without this information and giving the other drivers your information.
Once you get home, one of the next thing you want to do is make two phone calls. One to your insurance company, the second to the other drivers insurance company. This will allow for the claim process to get started. Depending on who is at fault and what kind of coverage you have, will determine what both insurance companies do for you. When you contact your insurance company, they will be able to answer all the specific questions regarding the claim.
These are the general basics of what to do in an accident. Some good things to keep in your car at all times are a pad of paper, writing instrument and a card on what information to get in case of an accident. Accidents happen. It isn't something that anyone wants to have happen to them, but if you know before hand what to do if you are involved in one, it will make the process not so scary.
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Sincerely,
Chris [http://www.monson-insurance.com]Monson Insurance of Utah.
Article Source: [http://EzineArticles.com/?What-to-Do-When-Involved-in-a-Car-Accident&id=5045480] What to Do When Involved in a Car Accident
Thursday, September 23, 2010
Friday, September 3, 2010
Is Your Classic Car Insured?
A 'classic car' usually refers to an older or vintage car, however the exact definition is not set in stone. The Classic Car Club of America argues that a vehicle has to be between 20 and 45 years old to be a real 'classic' car, and any vehicle over 45 years old is known as an antique. In the UK these definitions are not so strict, although the age of the vehicle does have an impact on tax.
In the UK, all cars built before January 1, 1973, are excluded from paying the annual road tax vehicle excise duty. The HM Revenue and Customs define a classic car for taxation purposes as being over 20 years old and having a value in excess of £15,000. So if you tick those boxes, you have a classic motor on your hands.
But what does this mean for your insurance?
Most insurance providers will tailor your cover to suit your vehicle. If you pride yourself on owning a vintage car, you'll want to take out a level of car insurance that will protect your vehicle at all times. You may only take your car out for a quick spin during the holidays, or it might be your every day run-around vehicle - but the car will still be at risk of getting the odd bump and scrape along the way.
As well as the usual claims on car insurance, a classic car is also more at risk from theft. Vintage cars are a highly desirable vehicle, and may be targeted by thieves who know what they are looking for. 115, 000 incidents of car theft were reported in 2009-2010 according to the Home Office and the Home Office Car Theft Index showing that older cars are at the highest risk of being stolen. They report that cars more than nine years old account for nearly two-thirds of all cars stolen in the UK.
With this in mind, you'll want to make sure that your car is fully insured to protect it. Speak to your insurance provider about your concerns and they will make sure your car is insured against damage, theft and all the other matters that can arise with a well-loved car. Although your vehicle may be a classic now, you want it to be a vintage car for the future too.
Offering a range of insurance, travel and leisure services Greenbee is selected by the John Lewis Partnership. These include pet, home, travel, life, wedding, event and car cover products, along with travel offers and the latest theatre, event, music and sport tickets. Customers can visit Greenbee.com for further information.
Article Source: http://EzineArticles.com/?expert=Josie_K_Anderson
In the UK, all cars built before January 1, 1973, are excluded from paying the annual road tax vehicle excise duty. The HM Revenue and Customs define a classic car for taxation purposes as being over 20 years old and having a value in excess of £15,000. So if you tick those boxes, you have a classic motor on your hands.
But what does this mean for your insurance?
Most insurance providers will tailor your cover to suit your vehicle. If you pride yourself on owning a vintage car, you'll want to take out a level of car insurance that will protect your vehicle at all times. You may only take your car out for a quick spin during the holidays, or it might be your every day run-around vehicle - but the car will still be at risk of getting the odd bump and scrape along the way.
As well as the usual claims on car insurance, a classic car is also more at risk from theft. Vintage cars are a highly desirable vehicle, and may be targeted by thieves who know what they are looking for. 115, 000 incidents of car theft were reported in 2009-2010 according to the Home Office and the Home Office Car Theft Index showing that older cars are at the highest risk of being stolen. They report that cars more than nine years old account for nearly two-thirds of all cars stolen in the UK.
With this in mind, you'll want to make sure that your car is fully insured to protect it. Speak to your insurance provider about your concerns and they will make sure your car is insured against damage, theft and all the other matters that can arise with a well-loved car. Although your vehicle may be a classic now, you want it to be a vintage car for the future too.
Offering a range of insurance, travel and leisure services Greenbee is selected by the John Lewis Partnership. These include pet, home, travel, life, wedding, event and car cover products, along with travel offers and the latest theatre, event, music and sport tickets. Customers can visit Greenbee.com for further information.
Article Source: http://EzineArticles.com/?expert=Josie_K_Anderson
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