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Edwards Graham Insurance Del Rio Texas
What to do in case of a traffic accident
After an Accident

What To Do in the Event of an Auto Accident

Move out of the way of traffic and turn on your hazard warning lights. If you are not able to move the vehicles, turn on your hazard lights and make sure that everyone involved moves to a safe location out of traffic until the police arrive.

Call the police, even in a minor accident. If someone is injured, request medical assistance. If a fire is involved, request fire department aid.

Do not discuss the accident with anyone other than the police or your agent.

Exchange necessary information with the other driver(s). Be sure to write down the following:

  1. Each driver's name
  2. The names of any passengers
  3. Their addresses
  4. Their home, work and/or cell phone numbers
  5. The license plate numbers of all vehicles involved
  6. The insurance information of all parties, regardless of fault
  7. Contact information of all witnesses.

Write down a brief description of how the accident occurred, including the following:

  1. Location of the accident
  2. Any traffic lights or signs
  3. Traffic lanes involved
  4. Point of impact on all vehicles involved in the accident
  5. Extent of damage to each vehicle
  6. Any reported injuries at the scene of the accident

Report the accident to us or directly to your insurance company as soon as possible. Look for the contact information under the How To File a Claim tab. The faster you report your claim, the sooner we can get you back on the road.

For your convenience, you can print a copy of the form. Carry a copy in the glove compartment of your vehicle with your insurance card. In the event of an accident, you will have this to collect the information.

Are Your Insurance Limits High Enough? by Rachel Beavan

You may have seen a recent tv commercial showing a young man and his parents in a courtroom. They have just found out that they have to pay for a lawsuit settlement that exceeds their insurance limits. Can this really happen? You bet! There is another tv commercial where an attorney is telling you that if you are on a jury, you cannot base a judgment against someone on their insurance limits. This is a bit more confusing, but what he is telling you is that if you are sued for an auto accident, a jury will determine how much you owe the other party without knowing what your insurance limits are. There is a good chance they could decide that you owe more than your insurance limits. If that happens, where does the money come from? It could come from your savings, college funds or your IRA. You could be forced to sell some of your assets. Your wages could be garnished. The answer is…the extra money comes from you. In a turbulent economy, most people only think about how much their insurance will cost them. If your insurance agent is doing his job, he or she will give you options in coverage limits based on your individual situation. What do you have to lose if you are the one in that court room facing that jury? How do you know what your insurance limits are? Look on your policy. Texas requires minimum auto insurance limits of $25,000 per person for bodily injury up to $50,000 per accident, regardless of the number of people in the car. If you cause an accident, and the other party requires surgery, how far will $25,000 take you? If the operation is $50,000, your insurance company will only pay the top limit of $25,000. Are you financially prepared to pay for the rest? Wouldn’t you rather spend that $25,000 on something for your family? How do you know what insurance limits are right for you? Your agent should be talking to you about this. Here’s where to start…make a list of all of your assets. This includes your home, your cars, your checking and savings accounts. Then consider your household income. How much do you need to protect? That will give you an idea of what insurance limits are right for you. Then talk to your agent before you end up in the courtroom.