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
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.
(BPT) - If you were to take a quiz to test your ability to identify common emojis and road signs, how do you think you’d fare?
According to the results from a recent survey by Mercury Insurance, 1,890 respondents did not do so well. The meaning of the “yawning” emoji was correctly identified by 85% of the respondents, but only 31% of quiz-takers correctly identified the meaning of the “lane reduction” road sign. Additionally, 71% knew the “in love” emoji, but the “keep right” road sign was correctly identified by only 51% of quiz-takers.
Emojis are continually being added to our texting and messaging vocabulary, and for the most part, we’re able to keep up with this ever-changing landscape. Fortunately for the more than 200 million licensed U.S. drivers, road signs are highly regulated and consistent, and are designed to help keep drivers safe and easily guide them to their destinations. The bad news, however, is that far more people are able to identify emojis than road signs. And what’s worse is that many times they’re looking at these cute little icons while they’re driving.
“Sure, emojis are a fun, modern-day form of shorthand, and may be more intuitive, but there’s a time and place to use them, and behind the wheel of a car isn’t one of them,” said Kevin Quinn, vice president of claims and customer experience at Mercury Insurance. “A picture may be worth a thousand words in some cases, but it certainly isn’t worth getting into a collision and risking someone’s life. Most collisions are avoidable if drivers focus on their main task of safely operating a vehicle.”
Distracted driving — anything that takes a driver’s attention away from the road, including texting and talking on a phone — accounted for 3,166 fatalities in 2017, according to the National Highway Traffic Safety Administration. Texting while driving is extremely dangerous, as it takes your eyes off the road for five seconds on average — whether you’re reading or sending the message.
The results of the quiz also highlight the importance of knowing what each road sign means, so you and those around you are safe. “These signs are instantly communicating to drivers what actions to take, much like emojis instantly communicate what friends or family members might be trying to convey in a text,” said Quinn. “It’s OK to only somewhat understand an emoji, but it’s imperative to know exactly what a road sign is telling you; otherwise it could lead to disastrous results on the road where no one can afford a misunderstanding. And being an attentive driver who knows the rules of the road and safely gets where they’re going might earn you a smiley face from your auto insurance company, just don’t read it while you’re operating a vehicle.”
Just as spring cleaning your house is a habit, so should a spring tune-up for your car, especially before that much-anticipated road trip. Even though more than one in three drivers (37%) say they want to stay on top of car maintenance this year, what many people don’t realize is that the snow, freezing temperatures and salt, as well as potholes that develop as the roads finally thaw, can do a number on your car. Make sure your car is in top shape for any trip with five spring cleaning tune-ups.
(BPT) - Americans are ready for spring weekend getaways and road trips. According to the latest Gauge Index survey from Hankook Tire, most of us are planning an outdoor getaway. The beach (51%) is the top vacation Americans are planning this spring, followed by a national park (39%) for the outdoorsy type and an amusement park (31%) for the thrill seekers.
Just as spring cleaning your house is a habit, so should a spring tune-up for your car, especially before that much-anticipated road trip. Even though more than one in three drivers (37%) say they want to stay on top of car maintenance this year, what many people don’t realize is that the snow, freezing temperatures and salt, as well as potholes that develop as the roads finally thaw, can do a number on your car. Make sure your car is in top shape for any trip with five spring cleaning tune-ups:
1) Check your oil
The survey found that a quarter of Americans would like to learn how to change their oil. While actually changing your oil is a bit more involved, checking oil levels before heading out is just a matter of looking under the hood. To do so, be sure the car is on level ground, let the oil settle for a few minutes, then pull out the dipstick — it usually has a yellow or red handle, but the owner’s manual will direct you where to look. Wipe the dipstick clean, then push it all the way back in, wait a second, and withdraw again. If the oil lands between the two markers, you’re ready to roll. Otherwise it’s time for an oil change.
2) Monitor your air pressure
A quick air check can be the difference between a bumpy road trip and smooth sailing. Begin by driving around for a couple of miles because tires that have been parked for a while won’t have as accurate of a pressure reading. Then remove the valve cap from the tire, place the pressure gauge on the valve stem, and press until the hiss sound disappears and the gauge offers a reading. This reading should match the recommended PSI, which you can find on the driver’s side door jamb or in the owner’s manual. If the reading indicates the tires need air, head to your local tire shop or gas station.
This is also a good time to check all four tires’ treads. Insert a penny with Lincoln’s head facing down — and if his entire head is visible, it’s time to replace your tires. For those who do need new tires, be sure to consider your driving habits and upcoming travel destinations, to ensure a flat tire doesn’t hold up any adventure. If you’re among the 44% of drivers who consider themselves adventurous like an SUV and are heading off the beaten path, consider rugged off-road tires, like the Hankook Dynapro AT2 All-Terrain Tire.
3) Replace your windshield wipers
Snow and ice can really wear down the blades on windshield wipers. Look for cracks, creases or imperfections in the blade’s rubber, or if you notice streaks or grime on your windshield when using the wipers, it’s time to replace! Make sure the washer fluid is topped off by looking at the white, translucent container with a windshield or water symbol on it. Then just remove the cap and check the fluid level in the reservoir so that you’re ready to handle any weather down the road.
4) Update your roadside assistance
Spring is a good time to make sure your roadside assistance plan is up to date — especially for the 42% of drivers behind the wheel of a vehicle six years or older. Be sure your service card is valid to give yourself peace of mind for any trip.
5) Wash your car
Snow and salt can leave a lasting impact, especially within the wheel wells of a car. Give your vehicle a thorough cleaning to prevent any rust or permanent damage. Besides, everyone wants their car to look shiny and clean in those road-trip social media posts as they head out for their spring getaways!
No matter what destination drivers are steering toward this spring, a few quick tune-ups will keep things running smoothly, all season long.
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 winter progresses, we are likely to see more visibility-reducing weather. Heavy rain, frost, ice and snow can all impair visibility while driving, including reducing the performance of windshield wipers.
Reduced visibility can quickly turn your drive into a stressful situation, especially when you have your precious cargo in the backseat. The notoriously unpredictable weather during the colder months also adds to driver anxiety, with rain and winter weather posing a challenge while behind the wheel. Ultimately, almost 90 percent of driving decisions are based upon vision, according to the official New Jersey Driving Manual, making it a top priority to have properly functioning windshield wipers.
* Inspect regularly: Whether you’re shuttling the kids to practice or running errands, safety is of the utmost importance. A quick maintenance check in your own driveway could help you and your family avoid issues down the road. To make sure windshield wipers are in good condition, check for tears, excessive noise or streaking on the windshield. These are all signs that windshield wipers have reached the end of their lifespan and must be replaced as soon as possible to ensure proper vision.
* Choose wipers for extreme weather: When looking to replace windshield wipers, consider blades that are specially developed to resist cracks from ozone exposure so you’ll have the clearest visibility when driving around town. These windshield wipers will work better in extreme weather while being more durable, providing an even and uniform wipe across the windshield. Bosch ICON beam windshield wipers are one option designed to help sharpen visibility while providing extreme weather safety.
It is important to ensure you are taking the necessary precautions for the best visibility behind the wheel. A simple maintenance check of your windshield wipers will help to keep you and your loved ones safe on the road.
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