Insurance Insights with Brian
When people learn I’m in the insurance business, they frequently ask me about what to do in case of a car accident, but recently, I was asked about what NOT to do. Here are some things that can cause you problems:
- Don’t just chalk up a minor accident as a simple fender-bender. Adaptive driver assist systems on vehicles are often fragile and calibration may be affected; even seemingly minor damage may have caused major problems. Get your vehicle inspected.
- It’s human nature, but avoid saying “sorry” after an accident. Let the police and your insurance company decide who was at fault.
- Don’t just hire a tow service that was listening to the police scanner and happened to show up—call AAA! We’ll place your call on a priority.
- Don’t add roadside assistance to your insurance policy—any time you use the coverage, it will be counted as a claim in your insurance history. That can make it harder to find another insurer who will cover you.
- Don’t go with a $1,000 deductible if that will break your budget—especially if you have a vehicle with a history of frequent claims. Hint: your insurance agent can tell you about your vehicle by using its VIN (vehicle identification number).