Summer is a busy time on Washington roads and many people will be traveling this holiday weekend, which is a three-day weekend for a lot of us. Before you hit the road, it’s important to understand your auto insurance policy.
Always keep a copy of your current insurance card, along with your
registration and any other paperwork you keep in the car.
insurance agent to explain the important elements of your policy to you, including
your deductible and liability limits. You may even want to consider adding
uninsured or underinsured motorist coverage to your policy if your insurance company
offers it. This clause could help protect you if you are in an accident with an
uninsured or underinsured driver, and the accident was their fault.
If you are the
parent of a teen driver, sit down with them and talk about the risks of unsafe
driving before you hand over the keys. Research shows that teens whose parents
establish rules associated with driving privileges are less likely to get in a
crash. Read some tips on
how to prepare your teens for safe driving.
you are involved in an accident
Getting into an accident can be stressful and chaotic; it’s difficult to
remember what to do immediately following a collision. Many people are unsure
about what information they need to share with and collect from the other
driver. Washington State Patrol has pointers for drivers who are involved in a
Association of Insurance Commissioners (NAIC) has a free mobile app called WRECKCHECK for iPhones and Android devices. The app takes
you step-by-step through creating an accident report, allows you to take photos
of the scene and document only what is necessary to file an insurance claim.
You can even send the completed accident report to yourself and your insurance
agent. If you don’t have a smartphone, you can download a
printable checklist to keep in your car with your other documents.
It’s best to start the claims process as soon as possible, while the details of
the accident are still fresh in your mind. Report the accident to your
insurance company. You will need the police or incident report, your insurance
information, and a copy of the accident report you created at the scene. Your
insurance company will walk you through the claim process and can tell you whose
coverage will pay for damage, rental car expenses or medical costs as a result
of the accident.
Take notes during
conversations with insurance companies, claims adjusters or auto shops,
including names and contact information of people you speak to.
about understanding auto insurance, what happens if your car is totaled, filing
an insurance claim and more on our website.