What Should I Do at The Scene of An Auto Accident 2.0?

I’ve written on this subject previously, but I’m revisiting the question to add a few points where technology comes into play.  Today, most people have smart phones or tablets that can be used to document critical facts and information following an auto accident.  The following are a few additional FAQs you should know to be prepared to utilize technology at the scene of an auto accident:

1.  How should I record information at the scene of an auto accident?  You should leverage the use of your smart phone or table to record information at the scene of an accident.  Use the camera feature of your phone to take photos of the other parties’ driver’s licenses and insurance cards.  You should also take photos of the vehicles involved, the location of the vehicles at the scene and the street signs at the location of the incident.  

2.   How can technology help my insurer investigate losses and why should I help?  Technology, such as Google Earth, helps insurance adjusters confirm details of disputed accidents, such as the road design and traffic controls at the location of the accident.  You should help record the location of the loss to help “paint the picture” for the adjuster that will be deciding the liability on disputed claims. 

3.  How can technology hurt my case in a disputed claim?  Distracted driving is becoming more and more prevalent today.  Using your phone or other electronic devices while driving is causing an increase in the frequency of auto accidents.  If it’s determined that you were on your phone at the time of the accident, you will most likely be held liable for the resulting damages/injuries caused as a result. 

If you have additional questions regarding auto accidents and how it affects your auto insurance premium, please stop by my offices in McKinney, Texas or give me a call at (972) 727-9111.

Stan Polk, CPCU – Agency Owner

6951 Virginia Parkway, Suite 316

McKinney, Texas 75071

Have some tips or comments to share on what to do after an auto accident? Share your thoughts in the comment section below. Or share your insight by following us on Facebook or Twitter!

I am a Farmers® agent but my posts are my own and are not statements by or on behalf of Farmers.

Top 3 Things Homowners Shoud Do to Reduce Home Insurance Claims

Home Insurance premiums are on the rise in McKinney and the state of Texas for consumers.  The frequency and severity of home insurance claims is one of the primary factors in rising home insurance premiums.  My clients often ask for ways they can help reduce their potential for home losses and mitigate the costs of any future losses they may have.  The following are a few steps you can take to reduce the frequency and/or severity of home insurance claims: 

1. Have your roof inspected annually by a reputable roofing professional.  Performing annual inspections and maintenance to your home’s roof is important to avoid costly home insurance claims in the future.  A properly maintained roof will stand up better to wind and hail damage, which may help keep any interior damage from developing when storms do occur. 
2. Inspect your washing machine hoses frequently.  Water damage from worn washing machine hoses is one of the top drivers of home insurance claims.  Check your washing machine hoses for wear and tear frequently.  Replace any rubber hoses with steel-braided ones to further reduce the chance of a hose failing and causing a water incident.
3. Clean your dryer vents frequently.  Lint build up in dryer vents increases the likelihood of a fire starting in your home.  Check dryer vents and hoses for lint build up and have your vents professionally cleaned to reduce this risk. 

If you have additional questions regarding home maintenance tips or your home insurance rates, please stop by my offices in McKinney, TX or give me a call at (972) 727-9111.

Stan Polk, CPCU – Agency Owner

6951 Virginia Parkway, Suite 316

McKinney, TX 75071

 

Have some tips or comments to share on home maintenance or home insurance claims? Share your thoughts in the comment section below. Or share your insight by following us on Facebook or Twitter!

 

I am a Farmers® agent but my posts are my own and are not statements by or on behalf of Farmers.