Welcome, learn what to do After an accident, incident or injury - Claims.
The number of accidents are on the rise due to texting and driving so if you are involved in an auto accident, here are some reminders:
1. Know What Your Insurance Covers. The whole process will be easier if you know what your coverages are before anything happens so contact us if you would like to discuss and understand more about your coverages and options.
The most important coverage on your auto insurance policy is third party bodily injury liability and property damage coverage because these damages are unknown and can be unexpectedly high if someone is injured and needs life support or there are multiple vehicles involved.
To help manage your risk, you will want higher liability coverage limits. Third party bodily injury liability coverage pays for someone else's bodily injuries such as medical payments, hospitalization, emergency services, life support, etc.
If you cause an accident: Third party property damage coverage pays for someone's vehicle or vehicles or building that may have been damaged. These are the two largest exposures you have while driving.
2. Determine If You Are Okay and that you or your vehicle are not in imminent danger of becoming struck by any vehicles or objects. If necessary, move your vehicle to safe place if you can safely do so. Turn on your vehicle's hazard lights.
3. Call 911 If Necessary. Check if anyone has been injured and be able to describe the location of the accident, what vehicles are involved and whether the accident is blocking the flow of traffic but mostly importantly, report severe injuries first.
4. Avoid Moving Seriously Injured People. Under Texas Law, reasonable assistance must be given to injured people including arrangements for transportation to medical assistance if necessary. However, do not move anyone whom you suspect may have a serious injury to avoid further injury.
5. File An Accident Report.
Contact the police. They will let you know if an officer needs to be present. If an officer does not come out, you should file a Crash Report with the Texas Dept. of Transportation.
6. Exchange Information With All Parties, and Record:
7. Take A Picture Of The Scene With Your Camera Phone or draw a sketch. Take a picture of the damage to other's vehicle(s).
8. Get Witnesses Contact Information (name, address, phone number, email number, etc.) This reminder is very very important as sometimes the other party changes their story and having witnesses provides an unbiased third party statement that could help you.
9. Call Your Insurance Agent Or Carrier to get assistance and report your claim.
10. Call a Towing Company to move your vehicle if disabled to your body shop.
11. Consider Calling A Rental Car Company like Enterprise 1-800-261-7331 for a rental car if you need one. Enterprise will pick you at your location and take you back to the rental car company if necessary.
If you get into an auto accident, it will help if you have the following items on hand. Make sure to always have these in your vehicle:
If you are prepared, and you know what to do in an accident, it will be easier to remain calm and collected when a mishap occurs.
There were 777,739 property crimes reported in 2015 within Texas. If you have been burglarized, take these steps immediately.
Get back in your car or go to a trusted neighbor's house. "Nothing is worth dying over. ... Don't play hero."
You also shouldn't touch anything, just in case the police want to dust for fingerprints.
Have a list, as detailed as possible, of any items that were stolen, in addition to items inside or outside of your home that may have been damaged in the course of the burglary.
It's OK if you don't yet have a copy of the police report, but any details about the report, such as the police report number, the law enforcement agency that took the report, the name of the officer that took the report and the date the report was filed.
In case you don't know everything that was stolen yet, remember: There will be a number of opportunities to update their claim. That is why communication throughout this process with your insurer is key.
If your losses weren't substantial, you may be able to manage your claims online or on the phone. But if you did lose a lot, your insurer may send a claims representative to visit – an especially good idea if there was damage to your home.
For example, if a door was pried open, it could be damaged along with the door frame. Similarly, items inside the home may have been damaged.
Once you've been the victim of a burglary, you're likely to become a victim a second time within two years. Burglars know you'll replace all that stuff they stole with the insurance money. So they wait six months to a year, or less, for you to get the money and replace stuff so they can hit you up a second or third time.
Even if your burglars never return – maybe they were caught, for instance – you'll want to improve your security. It will likely lower your insurance rates, in some cases by more than 10 percent.
As soon as floodwater levels have dropped, it's time to start the recovery process. Here's what you can do to begin restoring your home.
In a house with no basement, a dorm, or an apartment: Avoid windows. Go to the lowest floor, small center room (like a bathroom or closet), under a stairwell, or in an interior hallway with no windows. Crouch as low as possible to the floor, facing down; and cover your head with your hands.
It is critical to be sure that a storm has truly passed before going outside. Check for updates on your NOAA Weather Radio, local broadcasts and/or The Weather Channel for the latest weather information related to a storm in your area.
Helping the Injured
Beware of Hazards
Safety During Cleanup
AIG / Foremost Flood
American Strategic ASI
Fidelity Flood now WrightFlood
Homeowners of America
National Lloyds - Flood
Texas Fair Plan
We are always striving to make your insurance experience as efficient and convenient as possible. Thanks for a Great 2016!
Susan Flagg - HISOT CEO
Susan's Tips - Buy insurance like an insurance agency CEO - PRO.
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