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
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tips or comments to share on what to do after an auto accident? Share your
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I am a Farmers® agent but my posts are my own and are not statements by or on behalf of Farmers.
