What you need to know when you are in an auto accident (Motor Vehicle Collison):
The police won't always make it to the scene of an accident. It is up to you to take note of as much information as you can, especially if you were not at fault. This is an important list of information that you can gather at the scene of any car accident:
1.) Date, Time and Location of Crash
2.) Describe the direction and impacts of all vehicles involved.
3.) Information from the other motorists:
a.) Names of people in each car
b.) Contact information (Phone numbers, email)
c.) Driver's license number and date of birth
d.) Make, model, year and license plate of vehicle
e.) Insurance information including limits of UI/UIM and Med Pay and contact information
f.) Descriptions of injuries
IF YOU WERE NOT AT FAULT
1.) You can use your own insurance's Medical Payments. This is an additional insurance you can ask for that covers your and your passenger's injuries REGARDLESS of who was at fault. You can get your bills covered by the other insurance, but you can be assured that you get immediate treatment if you have MedPay on your own policy.
2.) If the other party does not have adequate insurance, you CAN use your own Uninsured/Underinsured coverage on your own policy. That is what it is there for.
3.) It may be necessary to seek the assistance of an attorney. We work with a handfull of lawers that we trust to guide you through the insurance system.
IF YOU WERE AT FAULT
You may still be treated under Medical Payments on your own insurance.
Please call our office for more information: (520) 740-1718