Tag Archives: Auto Accident

Information You Should Get/Give After An Auto Accident

This article was taken from the National Association of Insurance Commissioners website, http://www.insureuonline.org/auto_page.htm, highlighting a great new mobile app, called “WreckCheck,” that can help insured’s capture the appropriate information after an auto accident. This is very important information to know since providing too much information after an accident is a very easy way for your personal information to fall into the wrong hands.

 

Accidents Happen 
Take steps to protect yourself, your property and your identity

In an automobile accident, you are concerned first about your safety and secondly about your vehicle. Likely, the last thing on your mind is protecting your identity. In fact, a recent survey by the National Association of Insurance Commissioners (NAIC) suggests that, after an accident, many Americans do not really know what information they should share with the other driver. State laws vary, but in most cases you need only provide your name and vehicle insurance information, which should include the name and phone number of your insurance provider. Sharing personal information such as your address and phone number may put your privacy and identity at risk. However, if another driver is unable to provide vehicle ownership and/or insurance information it is appropriate to ask for their phone number, address and driver’s license number.

According to the July 2012 survey:

  • Thirty-eight percent of consumers believed they should share their driver’s license number with the other driver — one in six would even allow the other driver to photograph the license as a convenient way to exchange information.
      • So what’s the risk? Many retailers accept driver’s license information to verify your identity over the phone. In fact, your license number is the most common way to confirm your identity after Social Security number and date of birth.
  • Twenty-five percent of consumers surveyed said they would share their home address.
      • Actually, your home address gives identity thieves the physical location of your mail or garbage, the first place criminals often look for personal financial information. And, now a stranger knows where you live, possibly putting your personal safety at risk.
  • Twenty-nine percent of survey respondents believed they are required to share personal phone numbers. In fact, sharing your phone number is rarely necessary.

Identity theft is one of the fastest-growing crimes in the United States. The Federal Trade Commission estimates nearly nine million consumers have their identities stolen each year, disrupting finances and damaging credit histories and reputation. Knowing what to share helps keep property and identities safe.

The survey also found that consumers were unsure about other auto accident best practices. For example, nearly 20 percent of respondents believe the only reason to call police after an accident is if someone is injured. However, filing a police report can help facilitate the insurance claims process.

Wreck Check App

New WreckCheck App for Smartphones

To take some of the guesswork out of a tense situation, the NAIC has developed WreckCheck, a new, free mobile app for iPhone® and Android® smartphones. The new app outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report. The app directs them to capture photos and helps document and share only what is necessary to file an insurance claim. Users can even email their completed reports to themselves and their insurance agents.

No smartphone? NAIC offers a downloadable accident checklist and tips for staying calm, safe and smart on the road.

For more tips and tools to make sure you are protected in case of an auto accident, visit www.insureuonline.org

Tips For At The Scene Photography After An Auto Accident

Taking pictures of the scene of a car accident can be very beneficial to handling your auto insurance claim. Pictures can help claim adjusters determine what happened, who hit who, and if there were any street signs or signals that weren’t obeyed.Accident Pics by Insured copy

 

Have you ever wondered what pictures to take after your vehicle has been involved in a car accident?

Property & Casualty 360: A National Underwriter Website, has shared six photography tips that an insured can follow to make sure they have the essential documentation for their auto claim. Not everyone wants to take their own pictures, or has the capability of taking pictures at the scene of the accident, but if you are one of those who do, these tips will help capture the damage that the claims adjusters are looking for.

  1. Photograph all the vehicles involved and their relative positions from all angles to establish the boundaries of the crash scene and the impact zone. Think about tracing the main points of a compass to catch all those angles.

  2. Broaden the view and take photographs of the street layout, landmarks, traffic controls, and signage. Try to include pictures that show the vehicle’s position relative to its closest landmark. Investigators deployed later rely on such distinguishing details to help them reconstruct accident events accurately.

  3. Focus on the damages sustained by all the vehicles involved in the crash. Photograph the vehicle’s four corners, making sure to capture two sides of that vehicle in the viewfinder with each shot. (Example, front of car and passenger side of car.) Next, photograph each side of the vehicle straight on before focusing on documenting the damaged areas of the car. Take close-up photos of the damage and broader views for context.

  4. Make sure also to take shots of the vehicles’ identifying features like license plates and VIN numbers.

  5. Look inside the vehicle and take photographs of any interior damage, deployed airbags, seatbelts, and so forth.

  6. Document roadside debris, marks, and gouges on the roadway; strewn vehicle parts; and anything else pertinent to the accident. Try to show the relationship of the vehicle(s) to the debris depicted in image.

Above all else, make sure you take care of any injuries and safety concerns FIRST. Be mindful of traffic around the accident scene and stay safe while taking pictures.

Read the full article from Property & Casualty 360 here.