Whether in a severe collision or just a simple fender bender, thousands of people are involved in car accidents on a daily basis. Despite the severity of the accident, the steps you need to take directly following the incident rarely change. There are numerous questions that will need to be answered regarding who is at fault and if the parties involved have auto insurance. Good coverage is essential to coming out on top in the event of an accident. Tri-Star Insurance Professionals, Inc. of North Dallas, Plano and Frisco is an independent insurance agency that can shop around to find you the best auto insurance rates available.
First-rate auto insurance coverage aside, a car accident may still be a costly and frustrating trial. To ensure that the other party does not take you for a ride, remain calm and take the following steps:
Survey Damage: First things first, make sure that no one is in need of immediate medical attention before moving on to inspect each vehicle. Be sure to document any damage with a camera to use as evidence if the need arises. Also, never admit fault. As tempting as it is to say, “I’m so sorry, it’s all my fault,” don’t. Professionals will determine who is at fault after reviewing all the facts.
Exchange Information: Even if there is little or no damage to your vehicle, make sure to request insurance information from the other person or persons involved the accident such as: name, address, phone number, insurance company name, policy number, license plate and drivers license number.
File a Police Report: Even in a minor accident it is wise to involve a third party. Police officers may not directly respond to an accident unless there are emergencies, but you can file a state vehicle accident report at any local police station. A valid police report can also help insurance companies like Tri-Star Insurance make the claims process easier.
Safety First: Never leave home in your vehicle without a first aid kit fit snugly in your trunk or glove compartment. There are many auto first aid kits that contain adhesive bandages, sanitary wipes and sterile gauze. In addition to a med kit, carrying an emergency kit consisting of a disposable camera, pen and paper, and contact information is a good idea.
Know Your Policy: Perhaps after an accident you find out too late that your policy doesn’t cover the cost of towing or a rental car and you end up paying out of pocket expenses. Knowing exactly what your auto insurance policy covers before an accident will make the whole ordeal easier. You can usually add rental car reimbursement coverage for only a couple of dollars a month.
When you need insurance for your car or truck in the North Dallas, Plano and Frisco area remember that Tri-Star Insurance is ready to assist you. Call 214-387-0600 or toll-free at 1-800-880-4600 today to speak with an insurance professional to find out more about auto insurance policies and what you need to be safe out on the open road.
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"Without personal umbrella insurance we couldn't pay all the medical bills!" More and more Americans would be financially devastated if they had an accident and personal umbrella insurance can change that for your family today. Being able to afford insurance premiums and co-pays is hard enough, but when you're stuck with another person’s medical bills on top of that, it can really feel like an impossible situation. Don't let this happen to your family. Talk to an insurance expert who can help you get the personal umbrella coverage you need at a rate you can live with. John Coyle at Tri-Star Insurance has been helping families all over the N. Dallas-Frisco-Plano TX area with all of their insurance needs. Let John and his associates help you avoid a situation like this one:
It all started as a simple boat ride with friends on a summer day. Everyone was having a great time. Tom and Mary had invited Bob and Suzanne over for a ride on their new boat. Bob and Suzanne brought their friends, the Smiths.
The three couples were getting ready to leave the water, because the waves were picking up a bit and the wind was starting to blow. Suddenly, the boat hit a tree that was barely protruding out of the water. The accident caused some real damage and the three couples in the boat were thrown around on impact.
Thankfully, everyone made it out alive, but Mrs. Smith wound up with some injuries that required extensive plastic surgery. The bills were enormous and they sued Tom and Mary for the medical costs. Thank goodness, Tom had insisted on that personal umbrella insurance when they bought their boat insurance.
Tom made a smart decision when he opted for personal umbrella insurance. Even though they had boat owner's insurance, Tom and Mary S. were saddled with hundreds of thousands of dollars worth of medical bills. Personal umbrella insurance saved their family from financial disaster. Many people don't realize just how much they need a personal umbrella policy to protect their assets from being lost to bills incurred during an accident. Face it, if you are operating any type of vehicle, including your boat, and you have an injury producing accident, life gets stressful in a hurry. Health care costs have sharply increased and an injury that requires a hospital stay, surgery or specialized treatment can cost hundreds of thousands of dollars. Personal umbrella insurance can help you with that.
Don't be shocked to find out that your existing homeowners, car, boat and health insurances may not cover all the expenses occurred in an accident. With personal umbrella insurance, you are protected against medical bills of up to five million dollars or more depending on the amount of coverage you choose.
It's difficult to think about being liable for an accident, especially when someone suffers major injuries. On top of that, if someone else is injured, you may find yourself in a courtroom with a judge deciding how many zeroes you need to tack on the check. That's why it's so important to have personal umbrella insurance. What a safety net! Without this extended coverage, an injury producing accident could wind up costing you your home, your vehicle – even money you earn in the future to satisfy the bills. You can avoid this type of disaster by talking with an insurance expert who can help you choose the best coverage options for your personal circumstances. Call John Coyle and his associates at Tri-Star Insurance at 1-800-880-4600. John and his staff have been helping people all over the N. Dallas-Frisco- Plano, TX area for years and they can help you too. Call 1-800-880-4600 today.
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