Car Safety & Responsibility

Accident…

	Stay where you are at.
	If it is a little “fender bender”, you may pull into the nearest parking lot or to the side of the road.
	If you are hurt, don’t move until the paramedics arrive.
	If there are witnesses, try and get their names and numbers if they want to leave before the police arrive.
	No matter whose fault it is, remain calm and be careful when confronted by the other driver.
	Have your license, registration and insurance card ready – KNOW YOUR SOCIAL SECURITY #.
	If you get into a fender bender and no police are involved, YOU NEED TO EXCHANGE EACH OTHERS CAR INSURANCE INFORMATION AND GET THEIR NAME, NUMBER AND DRIVER’S LICENSE INFORMATION.
	Ask the investigating officer where you can obtain a copy of the police report.
	If necessary, have the car towed to a repair shop.
	Make notes. Keep a pad and pencil in your glove compartment.
	If you hit an unattended vehicle or object, try to find the owner. If you can't, leave a note containing your name, address and phone number. Record the details of the accident.

Click here for additional Auto Accident Resources

What to do when you’re pulled over by the police

1. Ask why you were pulled over.
2. Provide the requested documents.
3. Remain calm and quiet.
4. Respond honestly.
5. Don't argue with the officer.
6. Take the ticket and drive away.

Click here for additional Auto Tickets/Police Resources

Car Insurance

 Auto insurance provides property, liability and medical coverage:

1. Property coverage pays for damage to or theft of your car.

2. Liability coverage pays for your legal responsibility to others.

3. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Do I need insurance to rent a car?

When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough.

Before you rent a car:
1. Contact your insurance company.
Find out how much coverage you have on your own car. In most cases, the coverage and deductibles you have on your personal auto policy would apply to a rental car, providing it's used for pleasure and not business. If you don't have comprehensive and collision coverage on your own car, you will not be covered if your rental car is stolen or if it is damaged in an accident.
 

Click here for additional Auto Insurance Resources