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Proper Conduct at the Scene of an Auto Accident

Many of us know–or think we know–how to best conduct ourselves following an auto accident. The problem is that no one ever expects an accident to occur, and when it does, panic rather than clear thinking may prevail, at least in the immediate aftermath. So we would like to offer a few tips on proper conduct at the scene of an auto accident; you may be familiar with some of them, but we think they’re well worth reiterating.

Stay Put & Survey the Scene

Although it may seem obvious to most, one should never flee from the scene of an accident. This is truly one of the greatest mistakes any driver can make. When engaged in a collision, pull your vehicle to the side of the road, apply the handbrake, and activate any available hazard lights.

Next, it’s imperative that you assess your current surroundings, post-crash, to ensure that no involved parties have been injured. Tending to the wellbeing of vehicular passengers should always take precedence if any serious injury has occurred. Police & emergency responders should be contacted immediately if medical attention needs to be administered.

Documentation

One of the most important steps to take following an auto accident is getting the contact information from all involved motorists. Be sure to take down full names, license ID numbers, addresses, auto insurance information, telephone numbers and vehicle registration numbers. It may also prove advantageous to note the make and model of all the vehicles involved in the collision. You will also want to take pictures and write down other details, such as the weather and road conditions.

We recommend getting the contact information of other involved passengers, anyone who has been injured, and if possible, any witnesses. However, you should discuss the accident only with police at the scene.

Call your Auto Insurance Provider

When all proper information has been exchanged, it’s best to contact both the police and your auto insurance provider. It’s encouraged that all involved drivers file a report with the proper legal authorities to ensure that an accurate record of the incident is kept on file. One should also get in touch with their auto insurance provider to learn of the next step they should take en route to repairing their vehicle and gaining reimbursement.

Though many of the aforementioned points may seem rather self-explanatory, countless drivers neglect them after becoming entangled in a fender bender. Follow these steps, and ensure that the moments following any automotive mishap run smoothly. Whether you were responsible for the collision or not, attempt to conduct yourself with grace and dignity throughout this entire process.

View our complete Auto Accident Checklist

 

Contact Nicholas / Tobin Insurance today for more information about auto insurance. Our offices are located in Kent, CT & New Milford, CT.


Auto Insurance to Protect a Classic Car

A classic car is something that is truly special. As a wholly American hobby that combines a reverence for history with an eye for aesthetic craftsmanship, a classic car collector is able to see the beauty and significance in car models of the past. Because of how special classic car models are, particular care should be taken to protect them in the face of potential breakdowns, accidents, and the common catastrophes that cannot be foreseen.

That is why auto insurance designed specifically for a classic or antique car models is going to be important to protect your car in the face of potential damage. Auto insurance companies offer comprehensive, specially tailored policies for classic car collectors looking to take their automobiles for joyrides, parades, and to auto shows without fear. There are a few criteria that go into writing up a classic car insurance policy that a common auto insurance policy will not include. An understanding of these criteria will make it easier when selecting a policy that will best suit your needs as a classic car owner.

Coverage

It is best for a classic car to pursue an agreed value insurance coverage. The agreed value is what will be paid to the policy holder based upon total loss of the car. This will cover its full value and ensure that no matter what happens to your car, there will be full compensation. Some other coverage options can include spare parts, roadside service and car show expenses if you plan to take your car to shows.

Also, for many models inflation guard will be highly beneficial. Inflation guard is basically insurance that your coverage will remain relative to the current value of the car, a very selective aspect of auto insurance in relation to newer cars. It means that as your car ages and builds more value; your coverage will keep up with its value, accounting for inflation and appreciation. The policy is thus built to last, just like the classic car.

Use

Depending on the mileage that you put on your classic car each year, your coverage cost should be adjusted. If you only plan on driving the car in parades or to classic car shows, the price of insurance should reflect the lack of use. However, even if you take it for joy rides in the summer, a new level of coverage will be warranted. Talk to your insurer to find out what your auto insurance options are.

Clubs

Finally it would be prudent to join a classic car owners and collectors organization in your area. Such clubs will bring you up-to-date information on approaching car shows and provide you with the company of like minded classic cars owners to enable connections for parts and repair specialists. As an added bonus, auto insurance companies will sometimes offer discounts and special coverage to car club members.

With some planning and a full understanding of what is expected, you could maintain a safe auto insurance policy for your classic car at a reasonable price. Research, compare quote


Antique and Historic Homeowners Insurance FAQ

Homeowners insurance is essential for any homeowner to rest easily and comfortably, knowing that their investment is safe from most harm. However, some homeowners need a little more insurance than others. The history and value that an antique home represents must be protected with a more intensive and comprehensive homeowners insurance policy than a regular home. With the higher cost and different terms, however, many policy holders will have a few questions concerning how the homeowners insurance is covered and how damages are returned. The following is a brief FAQ intended to bring someone looking for historic or antique homeowners insurance up to speed.

What makes a home historic or antique in the insurer’s eyes?

The most standard practice of discerning the scope of coverage and premium is having a specialized risk assessor visit the home. Typically homes built before 1945 will have some type of extended insurance, while homes built before 1900 will have a highly comprehensive package. However, individual cases are considered and judged by the assessor in question.

Why is homeowners insurance more expensive for a historic or antique home?

The truth is that homeowners insurance premiums for historic and antique homes can sometimes cost as much as 20% more than what standard homeowners insurance costs. While this may make a policy holder protest, antique and historic homes frequently have much higher upkeep and repair costs which necessitate the need for higher replacement valuation. A newer home can get away with many repair options; however, historic homes often require handcrafted detail and expert craftsmanship to return to optimal quality. The high premium tag is not without more support, as the coverage is more comprehensive and designed to help you get back the antique charm you lost.

What if I can’t live in my home during the repairs?

The coastal regions are especially seeing instances where more repairs and extra work is needed to rebuild antique homes correctly. The intensive work necessary to recreate the homes in detail could keep the policy holder out of their home longer than an average home repair. In these cases, some homeowners insurance for these homes will include an unlimited loss-of-use coverage to pay for temporary housing while others may have limits to how much they will spend.

Why would an insurance company refuse to grant an antique home coverage?

Generally, if a home is in good shape there is little reason why an insurance company will not grant coverage. However, if your antique home is under disrepair and not up to code, there is a good chance you will be denied. When you buy an antique home and are seeking insurance, your best bet to get it is to update a few essential systems. Upgrade plumbing and electrical systems right when you purchase the home. Cover these essential systems and your chances of getting favorable coverage will skyrocket.