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Car Accidents: An Insurance Survival Guide

Car Accidents: An Insurance Survival Guide

According to statistics at the Association for Safe International Road Travel, just over 2 million people are injured in traffic accidents in the United States each year. Assuming one per accident, that’s nearly 5,500 accidents per day, and that’s just the accidents reported with injuries. How many other are there when you include minor accidents? As the population ages and the numbers of vehicles on the roads increase, your chances of being in an accident also increase. How can you protect yourself, and what should you do if you are involved in an accident? Be Prepared Even if you aren’t a Boy Scout, your motto as a driver should always start with “be prepared.” Before every trip you should try to do the following: Locate your auto insurance ID card. You should try to have two: one for your wallet and one for your glove compartment. Even if you have an electronic copy on your phone, a hard copy should be available in case you need it. Keep a notepad and pen in your glove compartment. These will come in handy should you be involved in an accident. Do a quick visual inspection of your vehicle. Are your tires properly inflated? Is there anything that needs repair or replacement? Adjust your side and interior mirrors before taking off. They may have been properly adjusted last time you checked, but it’s always a good idea to check again. For the safety of you and your passengers, make sure you: Wear seatbelts. This includes everyone in the car, including the driver. Keep your hands off the cell phone. Put your phone...