It’s important to be prepared and knowledgeable about your insurance. Be mindful that your insurance is for the vehicle, not the driver. Always keep a copy of your insurance card in the car along with your registration and other important documents you might need.
Ask your insurance agent to explain important parts of your policy to you, such as deductibles and liability limits. It may be worth asking about uninsured or underinsured motorist coverage. This can be beneficial if you are involved in an auto accident with someone who is uninsured or underinsured and the accident is their fault.
If you’ve been involved in an accident, you should file a crash report with the local police department immediately. Auto insurance companies will look at this report in your case to determine which driver is at-fault. If you have a smartphone or a camera in your vehicle, you should take pictures of your injuries, your vehicle, the other vehicle, and any skid marks or property damage. Make sure witnesses are identified and interviewed so they can be called later. Most importantly, don’t delay in getting any medical treatment that you may need.