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What to do if you are in a car accident

If you are in a car accident in Tampa, what you do immediately following the accident can make all the difference between have your claim paid versus not. Here are ten basic rules to follow:

1. Report the accident immediately to the Tampa police.

2. If you were not at fault, be sure to collect identifying information of the other party involved such as name, contact information, driver's license information, insurance information and license plate number.

3. Usually when a bad accident occurs, people who saw the accident pull over with you. Make sure you collect their names and contact information in case you need their testimonies later on as to what happened.

4. Most cell phones come equipped with cameras these days. Be sure to take as many photographs as possible of your injuries, the damage to your vehicle and the scene of the accident. This will help law enforcement determine who was at fault, especially if you had to move your vehicles out of oncoming traffic.

5. Call your auto insurance agent or claims center in Tampa to report the car accident.

6. If you are hurt, seek medical attention immediately. Even if you were not outwardly injured, it is always good to check in with your personal Doctor. Sometimes injuries are not obvious in the moments following a car accident. Be sure to explain your injuries in full to your Tampa healthcare professional.

7. Do not discuss the accident with anyone other than the investigating officer, your doctor or your own insurance company representative; this includes the other driver. We have a tendency when someone else is upset or scared to try and comfort them; comments you may to the other driver such as “it's OK” or “I'm not really sure what happened” CAN be used against you later on.

8. If you suspect the responsible party may be under the influence of drugs or alcohol, report it to the investigating officer immediately.

9. Make notes of any statements made by the responsible party after the accident. Sometimes, especially if the vehicles needed to be moved for safety reasons, it becomes difficult to fully determine what happened. What the other driver says to you can make the difference in helping the investigating Tampa officer determine responsibility or cause of accident.

10. Do not agree to anything at the scene of the accident. Even what appears to be a minor fender bender could have more serious underlying damage that you cannot see; including injuries to yourself. No matter how minor the auto accident, you should still follow all the steps listed above.

Auto Insurance Tampa

Home Insurance Tampa

Chances are if you own a home in Tampa, then you have a home insurance policy to protect it? The process usually begins with you sitting down with an insurance agent to discuss how much insurance coverage you need, how much you can afford and then how often you want to pay. From there, the average home owner never looks at their home insurance plan again unless they need to make a claim or move.

Not reviewing your Tampa home insurance policy at least once year could cost you thousands of dollars at the time a claim is made, and here is why:

Problems with older homes – not all home insurance plans are one-size fits all. Does your current insurance plan cover items not typically found in newer construction like wells and septic tanks

Safety devices – Have you added security systems, smoke alarms, carbon monoxide vents or a sprinkler system to your home? Most insurance companies will offer credit programs or discounts for such upgrades.

Home-based business – If you run a business from your Tampa home, your equipment and inventory may not be protected by your current insurance plan. Depending on the type of business you operate, a special addition called a “rider” may be required.

Current market value for repair – even though the value of your home fluctuates year after year, the cost to rebuild after a fire, for example, continues to increase. Make sure your home insurance policy remains up-to-date with current rebuilding prices.

Luxury items – whether you have made furniture, electronic or jewelry purchases, or simply acquired them through gifts or inheritance, these items add up to a considerable amount that need to be reflected within your home insurance policy in the event of theft or destruction of the home due to damage from fire or water.

Discounts – Just like your Tampa auto insurance policy, major insurance companies are constantly creating new discounts people can qualify for. You may be missing out on some of these discounts simply because you did not take a few minutes to review your plan.

For most people in Tampa, their home is their greatest asset, so make sure it is properly protected by reviewing your home insurance policy on an annual basis.

Home Insurance Tampa

Tampa Insurance Quotes

Shopping for Insurance in Tampa and getting fast quotes has never been easier than on the internet. Whether needing Insurance Quotes for Auto Home Life or Health in Tampa, Seguro-Insurance can help you find affordable insurance agencies willing and able to work with your insurance needs. There are many Tampa insurance agencies that offer online insurance quotes. At Seguro-Insurance we are committed to assist our online users in Tampa find car insurance as well as Life Health and Home coverage quotes at a price that they can afford.

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