January 04, 2014 /24-7PressRelease/
-- When the automobile first rolled off of the assembly line, only those people with a lot of money could afford one. Today, nearly everyone in Baton Rouge is a driver and owns a car; but with the increasing availability of vehicles, the risk of getting involved into a car accident
has grown. Even drivers who always obey traffic laws and drive in a polite and courteous manner can find themselves in a sudden collision.
According to Louisiana's crash data reports for 2013, over 55,000 injuries have been caused in motor vehicle accidents so far this year across the state. In East Baton Rouge, the numbers have risen to over 5,900 and there are still several weeks left in the year. West Baton Rouge has seen 544 injuries
. With so many crashes taking place, it is important for drivers to prepare ahead of time for an accident and there are three things that they should do.
Understanding the contents of an insurance policy
According to Edmunds, it is important for people to take the time and review the contents of their insurance policy. This gives them the ability to understand what their policy will and will not cover in the event that they are in a car accident. They can then take this information and compare it to their personal financial situation to determine whether their deductible amounts are ones that they can afford to pay.
As people are reviewing their policies, they should keep in mind what their needs will be in the event that they are in a car accident. For example, if a person only has one vehicle, and that vehicle is damaged, would that person be able to have access to another vehicle or be in need of a car rental? Towing is another issue that should be considered, and many insurance companies offer towing insurance for a small amount. If a person discovers that he or she has gaps in their coverage, that person still has time to make the necessary changes before that coverage is needed.
Keeping an accident kit
When someone is involved in a car accident, it can be difficult to keep one's mind focused on protecting himself from potential legal issues. However, people can prepare themselves by putting together an accident kit and keeping that kit in their vehicle. The accident kit should contain the following:
- Accident forms.
- Paper and pencil.
- Warning flares or triangles.
- Information about the driver's medical condition or allergies to medications.
In addition to these items, having a disposable camera is also a good idea. According to CNN, a camera can be used to photograph the scene. People should use their camera to capture images of the damage done to their vehicle, any skid marks on the road and the scene itself.
Speaking with law enforcement or people at the scene
In order to prevent oneself from being blamed prematurely for an accident or having a lawsuit or claim filed against one's insurance company, people must be careful of what they say at the scene of the accident. This includes volunteering information, telling someone that the person feels okay and admitting fault. Sometimes, people can inadvertently cause themselves problems by saying the wrong thing.
To prevent such issues from occurring, people should not speak with other drivers or witnesses at the scene and should not give any information other than what an officer asks for. The next thing they should do is immediately contact an experienced car accident attorney who can provide them with legal advice and protect their rights.
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