After you’ve been in a car accident, there are several steps you need to follow. As you work through these steps, you will need to negotiate with a lot of people. These negotiations may not always go your way, so it’s important to know what snags you may hit and how to work around them.
The Other Party is Uncooperative
Your troubles may begin immediately following the accident. Sometimes the other party is simply unwilling to cooperate. They may refuse to talk to you or negotiate with you. Perhaps they aren’t even willing to discuss insurance. If the other party is not cooperating, you need to take action to protect yourself. The first thing you should do is protect the evidence of the accident. Try to preserve the scene as much as possible. For example, try not to move the cars unless absolutely necessary. Take pictures and talk with any witnesses. Evidence will help you make an insurance claim. You should also call the police. They can file an official report that will discuss fault and you can use this report when you make your insurance claim.
The Insurance Company Refuses to Pay
Working with insurance companies can also be tricky. This is especially true if you are trying to receive payment from the insurance company of the other driver when they are at fault. Insurance companies will take their time working through a case and they may even refuse payment. An attorney can help you win a settlement from insurance companies that refuse to pay. When you bring in an attorney, this shows the insurance company that you mean business and they are more likely to comply. Additionally, attorneys are well-versed in the tactics insurance companies use and they can help you get the compensation you deserve.
Both Parties Can’t Agree on a Settlement
After an accident, both parties will typically discuss how they will handle the situation moving forward. Typically, this includes agreeing to file an insurance claim. However, there are cases where both parties do not agree to this. For example, the at-fault party may push to leave insurance out of it and instead settle with a cash payment. The other party may prefer to have insurance cover the cost of repairs and injuries. Just remember, that you have the right to file a claim if you wish and you should do your best to get the other party’s insurance information.
Accidents can be stressful even after they’ve happened. Dealing with the repercussions through negotiations can take quite some time, especially if problems arise. Make sure you understand common problems so you know how to work through them.
Read this next: 3 Tips for Handling the Aftermath of a Car Accident
You have just gotten in a wreck. While not fatal, you are shaken up and feel nervous. All of a sudden, the other driver comes out of their car and sheepishly apologizes for the trauma. While the events that happen after a wreck can be hard to recall, you must do at least three things after you get into a car accident.
Inform the Police
Here’s the obvious one: call the police. Even though nobody technically committed a crime, the police need to get the accident on the books. Additionally, the police can help you get into contact with the right people afterward. You can also prevent yourself from being held liable for the wreck by filling out the report accurately.
In some cases, the other driver will try to abandon the wreck. Whenever a car accident occurs, always snap their license plate so you can inform the police. After you make sure everyone is all right, getting the other driver’s information should be one of the first things you do.
Assess Your Injuries
Now that the police are on their way, you need to analyze your party’s well-being. There are many different types of injuries that come from car crashes. In fender benders and other minor wrecks, your party might walk away with just a few bruises and some whiplash.
In deadlier accidents, you could be facing some potentially fatal injuries. Always keep a first aid kit in your car for this reason. While you might not be able to fix them completely, you can delay death and help the wounded feel a little better by keeping some equipment in your car.
Of course, you also want to be compensated for the accident. In this case, you must contact the other person’s insurance company. Trade insurance information, and reach out to your own to ensure that you are covered. This is why you pay for the service.
While certainly not as important as receiving justice and keeping your group alive, this can reduce the stress of heavy financial loss. This makes you better able to take care of everyone once it’s accomplished. Insurance companies can ensure that you don’t pay a cent if you aren’t responsible for the incident (or at the very least you’ll get a great deal).
While getting in a car accident can be shocking, you can’t let it get the best of you. Keep these three steps ingrained in your mind. If the time ever comes that you need to use the steps, you will be ready.
Read this next: Aspects of Your Health That You Shouldn’t Ignore
Caution is King When It Comes to Winter Driving
(BPT) - With the winter in full swing, ensuring your tires — the last line of defense between your vehicle and harsh conditions — are in working order may be the difference between an enjoyable or stressful travel season. According to the National Highway Traffic Safety Administration, 17% of all vehicle collisions take place during winter conditions, many of which can be attributed to underinflated, over-worn or out-of-season tires.
“Being on the side of the road due to a preventable vehicle issue is both inconvenient and dangerous,” said Brandon Sturgis, product manager, BFGoodrich Tires. “Before winter arrives, make sure that your car is in its best condition to handle winter weather.”
Below are a few simple tips from BFGoodrich Tires to help ensure your vehicle and tires are better prepared for safe driving this winter.
Tire pressure will change with the weather
Many drivers neglect their tires until it’s too late and experience a tire issue, an inconvenience that only increases during the winter months. To avoid a winter accident caused by unsafe tires, drivers should proactively take measures to maintain their tires. An easy first step is to check the air pressure of all four tires at least monthly. This is especially important during the colder winter months as a drop in temperatures can cause tire pressures to decrease below a vehicle’s recommended inflation levels. To find the manufacturer’s recommended tire pressure, look at the decal in the driver’s door jamb or in the owner’s manual.
Checking your tread should be routine
Many drivers try squeezing as much life out of their tires as possible and run them even after the tread has worn below 2/32 of an inch — the minimum tread deemed safe under the Federal Motor Vehicle Safety Standards. If this is you, be sure to stay honest about checking your tread. To do so, find a penny and insert Abraham Lincoln headfirst into the lowest tread on your tire. If any portion of Abe’s head is covered, your tread depth is sufficient. If Honest Abe is still fully visible, your tread is below 2/32 of an inch and the ability to perform in wet and winter conditions is substantially reduced.
The importance of seasonal tires
Understanding your driving environment is as important as understanding which tires best suit your circumstances. Geography is the most intuitive factor playing into one’s driving environment, but certain locations create a more nuanced experience. Do you know which tires are best for your situation?
For example, all-terrain tires such as the BFGoodrich All-Terrain T/A KO2 are suitable year-round tires designed to give you superior grip both off and on the pavement thanks to innovative tread design, tough sidewalls and long-lasting durability.
If you drive in an environment that is regularly below freezing with snow and ice, winter tires may be your best choice. For those yet to treat their vehicle to winter tires during the cold months, consider the BFGoodrich Winter T/A KSI a good starting point. Offering extreme traction in winter conditions and reassuring steering control and durability, your next set of winter tires may keep you from becoming another winter driving collision statistic.
“Tires play a key role in your winter weather mobility. Knowing what kind of tires you have on your car and knowing their condition are part of being prepared,” says Sturgis.
Parents and caregivers want to keep kids safe in the car, but keeping up with the latest recommendations can be tricky, especially as your child grows and their needs change. It's sometimes hard to know if you're doing everything you can to keep children as safe as possible. Regardless of your child's age and how often they ride with you in the car, you'll want to follow these guidelines to help you find The Right Seat.
(BPT) - Parents and caregivers want to keep kids safe in the car, but keeping up with the latest recommendations can be tricky, especially as your child grows and their needs change. It's sometimes hard to know if you're doing everything you can to keep children as safe as possible.
Regardless of your child's age and how often they ride with you in the car, you’ll want to follow these guidelines to help you find The Right Seat.
1. Under 13? Don't let them sit up front
Whatever a child’s height or weight, the National Highway Traffic Safety Administration (NHTSA) advises that children under 13 should never sit in the front seat, even for a short trip. Car safety standards and features like airbags are developed and tested for adult bodies, not the growing body of a child. Air bags can be inflated at speeds of 200-400 mph, which could seriously harm a child if deployed. Most car crashes impact the front of the car, so keeping kids in the back seat can help protect them from injury.
2. Tethers add extra protection
Most forward-facing car seats have tethers to secure them to the vehicle, in addition to using the vehicle’s seat belt or lower anchors. Tethers help keep car seats from pitching forward in a crash, reducing injury to the child’s head and neck. You can find the tether at the top of convertible, combination and all-in-one car seats. They’re adjustable straps that have a hook that connects to your vehicle’s tether anchors. Review your car seat’s instructions and vehicle’s owner manual to identify the correct tether location in your vehicle.
3. Don't move kids on too soon
The best protection for a child in a car is the car seat that’s right for their age and size. According to the most recent NHTSA data, nearly 1 in 10 children between 1 and 3 years old were moved on to booster seats too early. And roughly 1 in 5 children aged 4 to 7 were prematurely moved to just using a seat belt when they should have still been riding in booster seats. Booster seats help a child’s seat belt fit appropriately, which means crossing the center of their chest and not touching their neck.
4. Check car seat recommendations online
Tools and resources are available to help make it easier to check that your child is in the right seat for their age, height and weight. Visit NHTSA.gov/TheRightSeat to compare car seats and get helpful installation instructions.
5. Free car seat checks are available
Whether you’ve just installed a new car seat or just want a “checkup” for a seat your child’s been using for a while, you can get help at a car seat inspection station near you. Certified technicians will inspect your car seat free of charge and show you how to correctly install it and make sure your child is properly secured. Find a car seat inspection station near you at NHTSA.gov/TheRightSeat.
6. Tweens should always be buckled
According to a 2005 report by the NHTSA, most accidents in urban areas happen under 30 mph. Be consistent and stay firm if your tween or teen resists wearing seat belts. Set safe habits for life, help keep your child safe and obey the law by making sure your child is buckled up every time for every ride, no matter how few miles or how slowly you’re driving.
7. Car seats have expiration dates
Car seats expire, because technology improves and safety standards change. If you buy a used car seat or receive one as a hand-me-down, check it carefully and make sure you know the history and whether or not it has been involved in a crash. Most car seats have an expiration date stamped on the manufacturer’s label on the side or base.
Visit NHTSA.gov/TheRightSeat for more information and to search for a car seat inspection station or event near you.
A car accident is scary enough to deal with, without having complications in the aftermath. The tips in this article should help you handle things calmly and smoothly.
According to the insurance industry, the average motorist will file a claim for some type of auto collision accident once every 17.9 years. That seems like a good amount of time in between accidents. However, most of those first accidents happen between the ages of 16 and 35. Hopefully, the next accident you get into won’t be too severe. Here are three tips for handling the aftermath of a car accident.
Get Your Car Repaired
You’ll need to get your car repaired. First, check in with your insurance company. If they don’t deem your car to be “totaled,” then your collision coverage should cover the repairs. Most mechanics work with insurance companies and get paid directly by them. It might come as no surprise that the mechanic’s estimate for the repairs will be the exact amount that the insurance company is willing to pay. If the car is totaled, then you might be paid off with the current value. The smart move would be to take that check and apply it as a down payment for a new car.
Decide If an Attorney Is Needed
The first priority after any accident is to make sure all involved are okay. You might feel fine in the immediate aftermath. However, the pain of an injury could show up a few days later. That is when you want to seek immediate medical attention. From that moment forward, you need to document and keep all records pertaining to your injuries. Also keep a record of any lost wages for your injury and any future medical expenses. You will need this information to determine if you are injured enough for a settlement, which will help you decide if you need an attorney on your side.
Follow Your Doctor’s Orders
You should follow your doctor’s orders for your recovery. This is especially vital if you enter into a lawsuit claim. The insurance company involved will be paying close attention to your recovery and assessing the extent of your injuries. If the doctor prescribes ten physical therapy sessions, then you need to go to all ten even if you start feeling fine after the third session. You would also be advised to stay off social media for the duration of your lawsuit. There are many ways your postings can hurt your case.
A car accident is scary enough to deal with, without having complications in the aftermath. Following these tips should help you handle things calmly and smoothly.
Interested in more articles on cars and auto-related topics? Then check out the rest of The Auto Idea!
According to the National Highway Traffic Safety Administration (NHTSA), more than 20,000 people require medical attention every year as a result of crashes involving trailers towed by passenger vehicles. These recreational outings don’t need to go sideways — nor does whatever you may be towing. Here’s a safety checklist to ensure you are towing the right way.
(BPT) - The onset of warmer weather means taking to the outdoors, be it boating, camping or simply tackling big jobs in the backyard. The result is a heavy increase in traffic on the roads — and often tagging along with the extra vehicles are the trailers, boats and campers that can put motorists at risk.
In fact, according to the National Highway Traffic Safety Administration, more than 20,000 people require medical attention every year as a result of crashes involving trailers towed by passenger vehicles.
These recreational outings don’t need to go sideways — nor does whatever you may be towing. Here’s a safety checklist to ensure you are towing the right way:
Get hitched: A starting point to towing is knowing the pulling capacity of your vehicle, as too much weight can cause a load of problems, no matter how much power your engine has.
When it comes to connecting a trailer to the towing vehicle, a critical component, of course, is the coupler — the part of the hitch system that is attached to the trailer. The coupler needs to be secured, tight and locked.
On the towing vehicle, avoid using a ball mount and hitch that is rusted, cracked, corroded or poorly designed — anything that can compromise its integrity. A safe answer is applying a new hitch, like the Ultra-Tow Complete Tow Kit, which is a durable and easy solution to pull whatever you’re towing.
Bottom line: Always reference the “coupling to tow vehicle” section of your vehicle manual to make sure it is done right.
Feel the (tire) pressure: An often forgotten element on the trailer towing checklist is making sure the trailer’s tire pressure is at the right level. In addition, inspect tires for wear or trauma — and be sure to have a spare.
Be a chain agent: Once you place and pop in the coupler over the ball mount, the next step is applying the safety chains, which need to be rigged to the tow vehicle. Avoid the common mistake of rigging the safety chains to the hitch or ball mount itself. Safety chains are federal law and will keep the trailer from drifting in the event the trailer coupling separates from the ball mount.
Light it up: No matter what you’re driving, communicating with other vehicles is paramount to safety — and that means having properly working brake, tail and turn signal lights. Before departing, sync up the trailer lights with the tow vehicle and test it out so that other motorists will know your actions.
Locked down and loaded: Once everything is hitched, it’s time to load up the cargo. It’s best to be balanced with weight distribution, but put heavier cargo in the front of the trailer. And of course, do not overload.
This pre-departure checklist is only a start. Once on the road, remember the basic safe driving practices when towing a trailer: Drive at moderate speeds, avoid sudden stops, don’t use cruise control and allow more distance for stopping.
No matter how much of a rush you are in to hit the road this summer, don’t take any shortcuts when it comes to towing safely.
(BPT) - As you drive down the street, the threat of potential distractions is everywhere. Federal research shows that distracted driving is a factor in one out of every six crashes, and accounts for 5,000 automobile crash-related fatalities each year.
While teens are commonly associated with distracted-driving issues — particularly texting — the issue affects drivers of all ages. To help reduce distracted driving crash-related injuries, and loss of life, the American Academy of Orthopaedic Surgeons and the Alliance of Automobile Manufacturers (Auto Alliance) offer these tips to help drivers keep their eyes on the road and hands on the wheel.
* Gear up before you go out. Whether it’s your sunglasses, your Bluetooth(R) earpiece or your favorite hat, putting accessories on before starting your car allows you to keep your hands on the wheel, and not your wardrobe while driving.
* Stop for a bite. A quick bite for lunch should be enjoyed in a restaurant, or your non-moving vehicle, instead of on the go while you're driving. This allows you to take a break, enjoy your food and not worry about spilling beverages on yourself.
* Don’t be afraid to pull over. If another matter begs your attention — such as settling a disagreement between your children — pull the car over to handle the situation properly rather than trying to attend to it while you are driving.
* Have a plan in place. Sometimes this is easier said than done. However, if you are traveling somewhere for the first time, you should understand your route before starting the drive. Program your GPS, or share printed directions with your navigator before you depart.
* Call them back. Cell phone usage is one of the leading causes of distracted driving-related crashes and not all of them are related solely to texting. If your phone rings while you’re in the car and you do not have a hands-free headset already on, let the caller go to voicemail. You can always call them back when you arrive at your destination or your next stop.
* If you don’t need it, store it. Sporting equipment, kids' toys or groceries, your car is the transport home for many things and sometimes those items can jostle back and forth while you're driving — particularly on those sharp turns. And when things start moving, your natural reaction is to take your eyes off the road and reach for them. Instead, secure items in the trunk or in another storage compartment before the drive.
Keeping your eyes on the road and your hands on the wheel is one of the most important things you do every single day you choose to drive so be sure to apply the tips above and make driving your No. 1 priority. Your loved ones and those you share the road with will thank you for it. For even more helpful tips and strategies to minimize driving distractions, visit www.decidetodrive.org.
(BPT) - The weather's finally warming up, the roads are dry and your sports car is beckoning you to hit the road for a fun trip. The question is: Are your tires up to the task?
"Tires influence braking, steering, comfort, handling and even fuel efficiency," says Bob Abram, consumer tires product planning manager for Yokohama Tire Corporation, manufacturer of a variety of tires for passenger cars, SUVs, buses, trucks and yes, race cars, too. "Whether you drive a sports car, minivan or high-end luxury vehicle, it's important you have the right tires because choosing the wrong ones can result in a disappointment with the handling, ride and treadwear."
When it comes to fast and fun vehicles, Abram said ultra-high-performance (UHP) tires might be the best bet, depending on driving styles and vehicle performance. Finding the best one could be daunting, so he has some quick tips to get you rolling.
1. Take extra time to research.
When conducting online research, make sure the reviews (and reviewers) are using the vehicle the way you do. If you need to drive in snow, but the reviews don't mention winter driving, then that tire might not work best for you. In short, don't look for the top-rated tires in regards to just "performance"; make sure to add in how and where you drive.
2. Look for a mileage warranty.
The best UHP all-season (A/S) tires now have a mileage warranty to give you peace of mind about a balance of performance and tread life. For example, the ADVAN Sport A/S has a 50,000-mile limited treadwear warranty for W- and Y-speed models.
3. Look for balanced performance.
Most drivers will be happier with a tire that handles well in all seasons, but also offers a smooth, comfortable ride and good treadwear. Usually the best UHP all-season tires do many things well, not just one or two. This is where your research will really pay off.
Abram says to check sites like www.tirerack.com, www.discounttire.com and tire company websites like www.yokohamatire.com for more help.
Once you decide on the right UHP tires for your vehicle, Abram says, maintaining them is essential to get their full benefits. "It always starts with checking your tire pressure regularly, which is at least once a month. It only takes 5 minutes and can really help, because a tire that is underinflated by only 8 psi can reduce fuel economy up to 2 percent. This will affect your drive and the vehicle's fuel efficiency, so keeping them properly inflated will give you a better ride and save you some money."
The Rubber Manufacturers Association (RMA) recommends checking the tires when they are cold - at least four hours since the vehicle was last driven. Abram says to always use an accurate tire gauge and make sure the valve is free of debris and water.
"The correct tire pressure is specified by the manufacturer of the vehicle, not the tire manufacturer," Abram says. "The proper inflation levels can be found on a placard on the inside of the car door and/or in the owner's manual."
Abram offers more tire tips that will help you throughout the year:
* Check your tread depth by placing a penny upside down into a tread groove. If you can see all of Lincoln's head, your tire's tread has worn down to the legal limit and you need to buy new tires.
* Tires must be replaced when the tread is worn down to 2/32 of an inch (the lowest legal limit). It's best to replace them before they reach 2/32 depending on your drive (geographically and based on the type of streets).
* Rotating your tires regularly promotes even wear of the tread. Tires should be rotated every 5,000 to 8,000 miles.
* Check your alignment at least once a year or sooner, especially if the vehicle is pulling to one side. This will help avoid uneven wear on tire tread. Tire balance should also be monitored.
For more tire care and safety tips, visit www.yokohamatire.com/tires-101 or www.rma.org.
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