Some people aren’t honest and are only out to make a buck. Protect yourself from being their next victim by having the upper hand and knowing how to respond in the event of a fender bender.
1. Take Pictures
The beauty of most people having a smartphone is that you don’t have to worry about always having a camera in case of an accident. No matter if you agree to pay out-of-pocket expenses or agree there’s not enough damage to worry, you need to pull out your phone and start taking pictures. Take pics of the person’s license and insurance information. Snap a few images of both cars from all angles. Make sure there are pictures of the people in the accident as well, so nobody can claim injuries that couldn’t have arose from the accident.
2. Document What the Other Party Says
Make a mental note of everything the person says after the incident. If the person says he or she is okay, make sure you write a note or keep it in mind if you have to appear in court or speak to the insurance company. If the person says the only problem is his or her hand, make a note of that as well. It’s not unheard of for a person to add injuries to the list to receive more money. Always take into consideration the extent of the incident as well because the person may make up issues that aren’t even possible.
3. Contact Your Insurance Company
You have a responsibility to turn in accidents anyway, but your statement to the insurance company can be enough to protect you against fraud.
Moon – Baker Insurance Agency, Inc. is available to protect you against fraudulent claims. All you need to do is request a quote today.
Oklahoma is a great state with plenty of wide-open spaces. Living in Ada, Oklahoma is a nice place that combines a rural lifestyle with the convenience of being only a couple of hours from the metro area of Oklahoma City.
Anyone driving to Oklahoma City on a regular basis can benefit from a few tips about how to save money on gasoline, offered by the good people at Moon – Baker Insurance Agency Inc. who have been helping people with their insurance needs since 1905.
Here are some things to think about:
- Better Driving Styles Increase Gas Mileage – Slowing down, leaving plenty of room in front of the vehicle for stopping, and driving on the freeway at a steady speed, are all ways to drive in a safer manner with the added benefit of increasing fuel mileage. In city driving, racing ahead to the next stop light is less safe and wastes fuel. Safe driving also may lower auto insurance rates.
- Walking/Bicycling Instead of Driving – For short trips try leaving the car at home and walking a few blocks or taking a bicycle. This is good for the health and saves money on gasoline. Related to this, it is also important to make sure your auto insurance covers accidents involving pedestrians and bicycles.
- The Advantages of Using a Carpool – Joining a carpool with others to go to work is a terrific way to save money on gasoline and auto expenses. To protect yourself in case of an auto accident, which can happen to anyone at any time, make sure you and all the other drivers have adequate auto insurance coverage.
Call us for any of your insurance needs. We are happy to review your current coverage, to make sure it is adequate to protect you, your family, and your co-workers, if you carpool.