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Preparing for a car accident in Minnesota before it happens

In 2012, the Minnesota Department of Public Safety reported that over 69,000 accidents occurred in the state.
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    January 24, 2014 /24-7PressRelease/ -- Preparing for a car accident in Minnesota before it happens

Article provided by Walsh & Gaertner, P.A.
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Many people understand the risks that come with a cold Ramsey County winter and prepare for it beforehand by stocking up on firewood, extra food and other materials. However, these same people often do not realize that they can take the same approach with car accidents.

In 2012, the Minnesota Department of Public Safety reported that over 69,000 accidents occurred in the state. More than 29,000 people were injured and 395 deaths were reported. Collisions can happen at any time and at any place, leaving victims in shock and facing legal and financial challenges. However, many issues can be managed by carrying an accident kit, reviewing one's insurance policy and knowing what a person should and should not say.

Carry an accident kit

Auto supply retailers offer emergency kits that contain bandages, burn ointment, special heating blankets and other medical products. An accident kit is similar except it is assembled with items that help the driver in the event of a collision. These items include:
-Disposable or cellphone camera - for taking pictures of the accident scene.
-Paper and pencil - for writing down important information.
-Flashlight and batteries.
-A card that lists a driver's medical conditions and/or allergies.
-Warning triangles or flares.

One of the most valuable items that should be in the kit is an accident form. The accident form can be created by hand or obtained through an insurance agent and assists drivers in capturing important information such as the location of the accident, date, names and contact information of witnesses, passengers and other drivers, weather conditions, statements made by other drivers, skid marks and traffic condition. This form can then be used as evidence by the driver in legal claims.

Review insurance policy

Edmunds recommends that drivers can protect themselves by conducting a review of their insurance policy. There are many options for people to choose from when it comes to creating an insurance policy and it is important to keep in mind what they will need in the event of a motor vehicle accident. For example, perhaps a driver only has one vehicle. This means that the driver will need a rental car as his or her car is repaired.

Often, people can add towing and even rental car coverage for a small amount each month. Having this coverage can eliminate an unexpected cost for the driver. The policy review should also cover deductibles and types of coverage to determine what the best options are for the policy's owner.

Know what to say

A car accident is a traumatic experience and it is common for people's minds to go into auto pilot. However, saying things like "I didn't see the other car" or "I didn't realize that I was going so fast" could imply guilt. Law enforcement may take such statements as admittance of guilt when a more thorough investigation reveals that the other driver was actually at fault.

One of the best ways to prevent legal entanglements and issues from rising with insurance companies is to contact an experienced attorney for legal counsel as soon as possible.

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