Nobody plans to be involved in a motor collision, but the unfortunate reality is that most people will experience one at some point in their lives. Be prepared at all times by following these steps:
1. Purchase collision insurance.
If your vehicle were totaled today, would you be able to afford to purchase a replacement? If your answer is “no,” you should consider purchasing collision insurance. In the case of an auto accident, your insurance company will assess the value of your vehicle and reimburse you the assessed amount. Paying above the required liability insurance may end up saving you more money later.
2. Carry a road emergency kit in your car.
Your kit should include items such as road flares or reflective caution triangles, a tow strap, first aid kit, basic tools, a flashlight, water bottles, and non-perishable energy snacks.
3. Keep updated documentation in a secure place in your vehicle.
Always carry your driver’s license with you and store a copy of your vehicle’s registration, proof of car insurance, and an accident report form. In the case of a minor accident, you may not find it necessary to contact the police. However, it is in your best interest to fill out an accident report. In South Carolina, damages amounting to $1000 or more must be reported within 15 days of the accident. You can find South Carolina’s accident report form here.
4. Research personal injury attorneys and keep their information on hand.
Depending on the severity of the collision, you may need to call a personal injury attorney who knows how to deal with insurance companies. Smith Injury Law, PA, (864-236-5530) offers a free consultation.
Knowing that you are prepared will give you peace of mind both before and after an accident.
Disclaimer: Principle office is located at 1210 Laurens Rd, Greenville, SC 29607. No fee unless the case is settled or won, costs may be excluded.