Do you sometimes wonder why some insurance rates are higher or lower than others? Auto insurance rates vary for various reasons. There are several factors that may affect your automobile insurance rate. Here is a brief list of some of the criteria that auto insurance rates are based on.

1. Your driving relate. Automobile insurance companies base your rate very heavily on your driving record. If you have a good driving record, you’ll receive a good driving discount, which will make your rate lower. People who drive safely are less likely to be keen in an automobile accident. However, if you have speeding tickets, accident records, or have filed an auto claim before, your rate is going to be higher.

2. Your vehicle. Auto insurance companies also take the make and model of your vehicle into consideration when determining your insurance rate. Some vehicles cost more to repair or replace than others, in which case the owners of such vehicles will receive higher insurance rates. This is why owners of convertibles, for instance, usually have a higher auto insurance rate. However, anti-theft devices and other security features can give you a discount on your rate.

3. Your annual mileage. Drivers who are on the road more are more likely to accept in an auto accident simply because they are presented with more opportunities for accidents to happen. Therefore, the less you drive your car, the lower your auto insurance will be.

These three things are some of the most common reasons why auto insurance rates vary. Your driving record, vehicle, and annual mileage are all relevant to how likely you will be to file a claim and how expensive your claim would be. Therefore, they are all used by auto insurance companies to determine your auto insurance rate.

California insurance motorist are only required to have a minimum amount of coverage, that includes $15,000 for death or injury to one person, any one accident, $30,000 for all persons in anyone one accident, and $5,000 for property damage, for any one accident. Not required by the state of California include comprehensive coverage, uninsured motorist, medical payment, and collision insurance.�

A pilot program that is available for California Drivers to purchase low cost car insurance. The California Low Cost Automobile Insurance Program (CLACK), satisfies the requirements of the state’s auto insurance requirements. The insurance policy is based on a driver’s household income, driving record, and vehicle purchased value.

California Proposition 103, enacted into law in November 1988, qualifies a Good Driver to get car insurance from any insurance company, and is entitled to get 20 percent reduction in car insurance, compared to a non-Good Driver. A Good Driver must be a California driver licensed for three consecutive years, and have no points on driving record. Also, any major driving violations including Driving Under the Influence, could remove the Good Driver rating. Under Proposition 103, car insurance companies primary factor to calculate insurance rate, must consider operator’s driving safety relate, number of miles driven annually, and years of driving experience. Other considerations include, if the vehicle is stored in garage and has security features. Despite the positive aspects for lower insurance rates with proposition 103, drivers should be aware that lower minimum coverage may not be sufficient, to cover any additional liabilities, which the driver would be responsible for out of pocket cost. Additional liability insurance should be considered or purchasing an umbrella policy that would mask most cost of liabilities, above the car insurance policy, and cover any other liabilities. An average umbrella policy provides one million dollars coverage for liabilities, and cost between two to three hundred dollars, a year.

Always recommended to contact several insurance companies or brokers to compare auto insurance rates. Each company calculates their acquire rate policy, which is partially based upon their own past losses, and expenses. Through your local telephone directory or Internet can provide names, and telephone numbers. Spending some time on the phone, answering questions, can conveniently gain price quotes, and establish money to get the best rate.

When speaking to a car insurance company, ask if there is any discounts, getting credit for extra driving courses or lectures, having more the one car insured, adding any additional security features to the car, and limiting your driving mileage to and from work only. Inform the insurance agent if you work at home, and if you can pay the premium in one payment per year, rather then in installments, to get a lower premium. Ask if you can produce payment by a credit card, because the amount will be billed to you on your next month’s credit card statement, and you maybe entitled to points on the credit card, based on the type of credit card.

When deciding upon a car insurance company, check with the Consumer Complaint Study (CCS) that is published by California Department of Insurance. This will assist consumers on car insurance companies based upon justified complaint study (composite ratio), company performance, and comparison data study. For example, in 2003, the number one rated car insurance company was The Swansea Mutual Insurance Company, that had justified complaint ratio zero, and Number of justified complaints zero.

American Idol’s Idol Gives Back from 2007 raised over $75 million, according to RealityTVWorld.com, raising funds from votes, viewer donations, and donations from sponsors, including Coca Cola, AT&T, Allstate, and Exxon Mobil. According to the Idol Gives Back entry in Wikipedia.com, notable guests on American Idol’s 2007 Idol Gives Back event included Mark Anthony, Kevin Bacon, Jason Biggs, Blue Man Group, Jack Black, Bono, Michael Buble, Helena Bonham Carter, Tom Cruise, Matt Damon, Chris Daughtry, Sarah Michelle Gellar, Hugh grant, LeBron James, Chris Kattan, Keira Knightley, Lisa Kudro, Hugh Laurie, Lift Lowe, Joel and Benji Madden (of Good Charlotte), Madonna, Ewan McGregor, Parminder Nagra, Shaquille O’Neal, Gwyneth Paltrow, Dr. Phil, David Schwimmer, Ben Stiller, and a very notable duet between Celine Dion and Elvis Presley, who were brought together on stage using a technique called rotoscoping.

This year’s Idol Gives Succor promises to be a much more elaborate event than last year’s, including guest appearances from Robin Williams, Celine Dion, Forest Whitaker, Billy Crystal, Dane Cook, Kiefer Sutherland, Elliot Yamin, Fantasia, Bono, Brad Pitt, Reese Witherspoon, Miley Cyrus, Mariah Carey, Eli and Peyton Manning, Fergie, Chris Daughtry, Carrie Underwood, Snoop Dogg, Maroon 5, and others, says AmericanIdol.com.

Like last year, no contestants will be eliminated during the Idol Gives Support event, however instead of votes rolling over to the following week as it happened last year, the elimination will occur the following night, April 10.

Anyone inspired by Seacrest’s generosity can follow suit, making donations via a toll-free telephone number and on the internet. You can click here to secure the page on the American Idol website with donation instructions. Donations to American Idol’s Idol Gives Assist are tax deductible, and everyone who donates will receive a tax receipt.

A preview of American Idol’s 2008 Idol Gives Back special, as well as details about guest appearances, guest performances, and the six charities that will benefit from the event, can be found online at www.americanidol.com/idolgivesback.

Sources:
Kevin Winter, Ryan Seacrest Donates His Paycheck to Idol Gives Back, People.com. Retrieved 7 April 2008.
Idol Gives Back 2008, AmericanIdol.com. Retrieved 7 April 2008.
Christopher Rocchio, Fox Announces Earlier ‘Idol Gives Back’ Start, Reveals Beneficiaries. RealityTVWorld.com, Retrieved 7 April 2008.
Idol Gives Back, Wikipedia.org. Retrieved 7 April 2008.

Much will depend on how you use the Ferrari. If it is a show section that stays indoors, then protection is much simplified. If you drive the vehicle outdoors, then some steps are in order to ensure that your vehicle remains beneficial from harm.

Simple precautions can help prevent big crimes, such as auto theft. When you leave the vehicle, always secure it, and make sure to park in well-lit areas where there are a lot of people walking around. When you park the vehicle, turn the wheels sharply toward the curb, to make it harder for car thieves to tow away the car. Don’t leave Ferrari accessories in inaugurate view inside the vehicle. Also do not leave the registration or title inside the car.

Other steps that can help prevent theft include adding visible and audible anti-theft devices to the car. Brake locks can help. Steering wheel locks that support the wheels stationary make your car more theft-proof. Tire locks and deflators can deter a thief, because they take too much time to deal with, thus making your car less blooming to a would-be thief. Ferrari Cars are a great application for VIN etching, when the VIN number is etched onto the glass of the windshield and windows. This can be one option you want to assume for protecting your vehicle. Loud alarms also let a thief know your car is safeguarded against theft.

Computer chips can support deter a thief from stealing your Ferrari. Some ignition keys come equipped with chips that do not let someone bypass the vehicle’s ignition. Preventive devices such as lop offs to the fuse; end switches; disablers that deactivate the fuel pump, ignition and starter; and wireless ignition authentication all help to prevent theft. Tracking devices are very useful in assisting police in finding stolen vehicles. Some of these combine wireless capabilities with GPS systems, so that if the car is moved, it can be tracked on the computer. Many Ferraris also arrive equipped with peripheral interior monitoring anti-lift anti-theft protection, which is a camera system that is old-fashioned within the car to detect movement inside the vehicle. Even when you are not with your novel Ferrari, your vehicle’s computer system is working round the clock to protect your car. Employing several or all of these ideas can keep your car safe.

When you are shopping around for auto insurance you want to get sure you catch the best value for the designate, so you will want to gather quotes from different auto insurance companies. You can get free auto quotes from many different auto insurance carriers. These are the best ways to get free quotes for your auto insurance policy.

One of the best ways to get a free auto insurance quote is online. When you shop for free auto insurance quotes online you will not need to talk to anybody from the insurance company unless you want to. You will need to provide some basic information about you and your car. If you are worried about providing your personal information online make sure the auto insurance website is a secure website.

You will start by filling out a form asking several questions about you and your car. First they will ask basic information about your car including the make, model, and year. Then they will want some information about you and your driving habits, providing your driver’s license number or your social security number is optional, but will help you get a more accurate quote. That’s all there is to it, you will then either get an instant auto insurance quote, or the company will send you a quote by email.

Getting free auto insurance quotes is important because it lets you compare not fair the prices, but the actual insurance rates and services provided. Once you have your insurance quote you can decide which policy is best for you based on the trace and the type of insurance provided.

Eleven of Alabama’s 22 Position Parks offer fully equipped modern and rustic cabins, cottages or chalets, available year round for less than or equivalent to what you’d pay for a hotel room. The cabins, cottages and chalets feature fireplaces, bathtub/showers, heating and AC, tubby kitchens or kitchenettes, and picnic tables and outside grills. Most offer amenities like irons and ironing boards, hairdryers, linens and coffee makers. The kitchens in all but one park are fully stocked with dishes, pots and pans and flatware. Many offer satellite network TV or cable, and DVD players. The Resort Residence Parks have on-site restaurants and lodges with meeting facilities, hotels and more upscale accommodations, and many of the parks have golf courses.

1. CHEAHA RESORT STATE PARK

Cheaha Set Park is Alabama’s oldest operating state park. Located in Northeast Alabama, (less than an hour from Talladega), Cheaha’s 2,799 acres stretch across Clay and Cleburne Counties. Encompassed by the Talladega National Forest, Cheaha is the highest point in Alabama, 2,407 ft. above sea level, its name appropriately coming from the Creek Indian word “Chaha,” meaning “high place.

Cheaha offers four fully equipped cabin choices — Bluff side, camping, deluxe (honeymoon) and 4-capacity. Spectacular sunsets can be seen from the one-room, two-person Bluff Side Cabins, located on the western bluff of Cheaha Mountain, four of them with inaugurate ceilings. The “Camping Cabin” is also called the “museum cabin,” for its historically rustic atmosphere. The two one-room Deluxe or “honeymoon” cabins feature rustic wooden furniture, whirlpool and a screened porch. Daily January to March rates range from $91 to $115. April to September rates range from $114 to $132, and October to December rates range from $120 to $135. For more information, check their Website at http://www.alapark.com/CheahaResort/Cabins/.

2. CHEWACLA STATE PARK

Chewacla State Park is located in Central Alabama’s Lee County, about ten minutes from Auburn. Its proximity to Auburn University explains why Chewacla State Park has “football season rates!” Chewacla’s 696 acres include a modern campground, 26-acre Lake Chewacla, playgrounds, rental boats, hiking trails, waterfalls and newly renovated cabins. Chewacla State Park’s six fully equipped 1930s stone cottages feature hardwood floors, and a stone fireplace. One cabin is handicap accessible. Off season rates are $80 to $110 per night, with a free night if you stay seven days. Football season rates range from $126 to $165 per night, the 7th night free. For more information, check their Website at http://www.alapark.com/Chewacla/Cabins/.

3. DESOTO RESORT Spot PARK

Located in DeKalb County (eight miles northeast of Fort Payne) DeSoto Position Park sits atop Lookout Mountain, encompassing 3,502 miles of cliffs, waterfalls, wildflowers and mountain overlooks. DeSoto State Park offers a campground, tennis court and swimming pool and a Nature Center with Interpretive programs with live animals. DeSoto features fully equipped rustic cabins, log cabins and A-frame chalets. March to November rates are $85 to $120.00 per night, December to February rates are $97.00 per night. A “Cozy Winter Cabin Special” offer is available at a discounted rate. Check their Website for more details. http://www.alapark.com/DeSotoResort/

4. GULF STATE PARK

Located in southern Baldwin County (an hour from Pensacola), Gulf State Park borders the Gulf of Mexico, and encompasses 6,150 acres. Gulf Region Park beaches are home to many species of shorebirds, and alligators inhabit its lakes and wetlands. The park boasts 900-acre freshwater Lake Shelby, and an 18-hole golf course. Within walking distance of the golf course and 2-½ miles from the beach, there are 20 fully equipped modern cabins, with one or two bedrooms and one or two baths, and 11 cottages with three bedrooms and three baths. Four “woods cabins” are located in a pine and palmetto forest. The “lakeside” cabins and cottages are located on Lake Shelby and have fishing piers. In season daily rates for the woods and lakeside cabins are $85 to $160, off-season, $75 to $135. Cottage daily rates are $210 in season, $188.29 off-season. For more information, check their Website at http://www.alapark.com/GulfState/Cabins/

5. JOE WHEELER RESORT STATE PARK

Joe Wheeler State Park is located near Rogersville in Lauderdale County, less than an hour from Huntsville. Wheeler Lake and Wilson Lake provide fishing, sailing, and boating, and the park sports a marina and 18-hole golf course. Joe Wheeler State Park has fully equipped wooden cabins in the forest and brick cabins lakeside, near Wheeler Dam on the south side of the Tennessee River. The cabins accommodate 4 to 15 people, and run from $65 to $170 daily. Ten newly-constructed two or three bedroom Lakeside Cottages are located in the mouth of First Creek. Daily rates run between $175 and $210. For more information, check their Website at http://www.alapark.com/JoeWheeler/.

6. LAKE GUNTERSVILLE RESORT STATE PARK

Lake Guntersville Station Park is located in Marshall County in the Tennessee Valley, about an hour from Huntsville. Overlooking 69,000-acre Guntersville Reservoir, Lake Guntersville State Park’s 6,000 acres provide hiking, swimming and boating opportunities, bass fishing, eagle spotting and nature programs. Lake Guntersville State Park has 15 two-bedroom, fully equipped lake-view cottages amidst a pine and hardwood forest near the banks of the Guntersville Reservoir. They sleep 6 and have two baths. On the top of Taylor Mountain are 20 chalets with a spectacular understanding of the Reservoir from their wraparound porches. Eighteen chalets sleep 6 people, and two handicapped accessible sleep 4. Daily March to October rates are $115 to 125, November to February, $99.00. For more information, check their Website at http://www.alapark.com/LakeGuntersville/.

7. LAKEPOINT RESORT STATE PARK

Lakepoint Resort Location Park is located near Eufaula in Barbour County, on the banks of Lake Eufaula, the “Bass Capital of The World.” The park offers fully equipped cabins and lakeside cottages, as well as a unique campground, marina, and an 18-hole golf course. Lakepoint has 29 cabins in a wooded area, 15 two-bedroom cabins that sleep four, and seven four-bedroom duplexes that sleep eight, as well as eight new upscale Lakeside Cottages. Outside plug-ins for charging boat batteries is also provided. Handicap accessible two- and four-bedroom units are available. Daily cabin and duplex rates range between $110 and $195, with a monthly cabin rate from November to February rate of $750. The Lakeside Cottages range between $125 and $265. For more information, check their Website at http://www.alapark.com/LakePointResort/.

8. MONTE SANO STATE PARK

Monte Sano State Park is located in Madison County, overlooking the city of Huntsville. Dubbed “the Showplace of the Tennessee Valley” upon it’s opening in 1938, the park offers 20 miles of hiking trails and 14 miles of mountain-biking trails, that meander along stunning vistas of the valley below. Monte Sano State Park. Monte Sano’s has 14 fully equipped one-room cabins, 11 of them quaint rustic stone cottages dating back to the 1930s, featuring handcrafted stone fireplaces, wood floors and hide porches. Cabins 1 to 11 have working stone fireplaces and one cabin is handicapped accessible. Monday to Thursday rates are $85, weekend rates are $95. For more information, contact their Website at http://www.alapark.com/MonteSano/Cabins/.

9. OAK MOUNTAIN STATE PARK

Oak Mountain State Park is located on the banks of Lake Tranquility in Shelby County, about a half-hour from Birmingham. Oak Mountain’s boasts 9,940 acres of pines and hardwoods and the title of Alabama’s largest state park. Oak Mountain offers camping and hiking, golfing, swimming, boating and fishing, and a horseback demonstration farm and riding facilities. The Lake is home to shoreline and wading birds, as well as migrating waterfowl. Oak Mountain State Park’s ten two-bedroom cabins sleep 6, and boats, paddles and life preservers are also available. Cabin rates Sunday through Thursday are $110 for one night, $200 for two nights, or $660 for six nights. A two-night quit is required on weekends (Friday and Saturday), the weekend rate being $220. For more information, check their Website at http://www.alapark.com/OakMountain/Cabins/.

10. ROLAND COOPER Space PARK

Located in Wilcox County (an hour below Selma), Roland Cooper Location Park runs along 236 acres of the Dannelly Reservoir. Roland Cooper boasts a nine-hole golf course with clubhouse and boat launching facilities. Roland Cooper has six fully equipped two-bedroom cabins (one Handicap Accessible). Rates are $80 daily or $480 weekly from March to November, and $70 daily or $420 weekly from December to February. For more information, check their Website at http://www.alapark.com/RolandCooper/.

11. WIND CREEK STATE PARK

Wind Creek State Park is located on the shores of Lake Martin in Tallapoosa County (seven miles south of Alexander City). Wind Creek is the largest state operated campground in the entire continental United States, offering swimming, skiing, canoeing and boating, and sport fishing. In recent years, eagle sightings have become common across its 1,445 acres. A new addition to Wind Creek State Park, seven camping cabins with help decks are now open, with three more planned. These cabins are equipped with microwave, sink, coffee maker, toaster and small refrigerator,but you must bring your own linens and cooking and eating utensils. Cabin 2 is handicapped accessible and sleeps 3. The rest of the cabins sleep six. Daily rates for these cabins are $70 year round. For more information, check their Website at http://www.alapark.com/WindCreek/Cabins/.

Sources:
http://www.alapark.com/
http://www.alabama.gov/portal/index.jsp

Just recently a man was treated for bleeding on the brain and the wrong side of this poor mans brain was worked on. And there was the famed case in Florida a few years back where a man had the wrong leg amputated. There was also a famous comedian who underwent cardiac bypass surgery and the doctor operated on the wrong blood vessels. Some patients were told before surgery to actually write on the part of the body that needed surgery!

All-in-all nearly 50,000 people die through medical mishaps in the United States every year. To put this In perspective approximately the same number perish each year in automobile accidents. And in all those terrible years during the Vietnam War this was about the number of precious lives lost during that entire conflict. This is both astonishing and monstrous at the same time. In such an advanced nation such as ours this should be unacceptable. And to the public it really is.

According to some nurses it appears that the doctor is not always at fault. They are under a stout deal of pressure to do their work at certain times with certain guidelines and even the use of some equipment. And the nurses say it is the insurance companies who are constantly exerting a tremendous pressure on the medical community as a whole. To the insurance companies it is all about the money. The bottom line is not to spend one red cent more than is necessary to score the job done. In fact most insurance companies want to net the job done under a certain dollar quota. Most doctors do in fact want to do what they trained many hard years to do and that is being doctors. But the hospitals and insurance companies they work with are holding the purse strings.

The new movie/documentary SICKO by Michael Moore exposes these troublesome facts in some detail. His take is a little different but nonetheless it puts a spotlight honest on the insurance companies. And apparently this is not a good situation for them. Only time will tell how the American public will react to this and other news of the same ilk.

It is well known there are many many families, from grandfathers down to infants, who do not have medical insurance in this country. Why is that? And it is a fact that their health suffers greatly because of this. In a country with plenty of billionaires one wonders why some poor little kid cannot have his disfigured jaw realigned because it is not a medical necessity? Why must a poor man have his leg amputated because it is too expensive to save it? Why must a woman die of cervical cancer because she cannot be seen until it is too late?

There is something wrong here that needs fixing. It is up to the government to look into the insurance industry and medical coverage for those who can barely afford the cost of food an the table

It’s not that I had any real issues with Geico Insurance over the past 7 years. It’s just the irony of having to pay so much money toward a service when you have no choice but to have insurance, regardless of whether or not I ever exhaust the service. Geico came to the rescue when I hit that deer. Well, they were there to take my phone call at 3 o’clock in the morning and even arranged to call tow service to come to our aid. Some accidents can’t be avoided, so when the car was totaled and money offered in its place, but not enough to make up for the loss, your not sure if the money you were spending toward insurance would have better covered that and some. Oh well, rainy day saving is not an option—a honest alternative to car insurance. Frankly I liked Geico’s coverage. I liked their service. I liked everything but the price. So I switched to progressive. As arrive as I can train I get everything I would with Geico, but for a lesser bill. I checked. The coverages match up. And enjoy it or not, the people on the phone are just as nice and willing to support if called upon.

Both car insurances offer free rock chip repair under my comprehensive coverage, my only other standard fix, given all the construction and gravel trucks on the road. But they both keep track of the claims made and a little too touchy for me to make such insignificant claims. I just pay for that repair on the side for like $10, whereas when I tested out having it charged to the insurance, through their chosen provider, the insurance was charged $180. No wonder the insurance companies gather uppity about some claims. But the point is that there isn’t a stark contrast between how either company handles these types of claims. Again, it is about the money just to carry the insurance, because all other things seem equal.

The strange thing is that Geico’s googley-eyed mascot isn’t saving me money. Progressive is. All State, American Family, State Farm, Countrywide and others all offer basically the same services, but say they can do it for less money. But I didn’t find anyone who is doing significantly better on that claim than Geico, except Progressive (and maybe Countrywide).

Liability InsuranceLiability insurance can be for bodily injury and property damage Typically, both sorts of coverage are needed in most states Most auto insurance policies will list liability coverage in the following format: $25,000/$50,000/$25,000 or just as 25/50/25 Translated, this means that if the individual with this policy had been to get in an accident that was deemed that person’s fault in which the other people today involved had been injured, they would have twenty-five thousand dollars of bodily injury liability coverage per individual and fifty thousand dollars of bodily injury coverage per accident total – no matter how several men and women had been involved The last number indicates that this individual would have twenty-five thousand dollars worth of coverage for property damage in that accident This would likely go toward paying for the damages or replacement of the other person’s automobile This quantity of coverage could possibly or may well not be sufficient, depending on the injuries and vehicles involved If a individual does not have sufficient liability coverage, that individual could possibly be held financially responsible for the remainder of the costs associated with the accident With the costs associated with medical coverage and the price of newer-model cars, most state minimums do not supply the level of protection most individuals need. Uninsured and Underinsured Motorist Vehicle InsuranceUninsured and underinsured motorist automobile insurance coverage is created to protect vehicle owners from drivers that either do not have the legally needed liability coverage or do not have sufficient For example, if a individual with a automobile valued at 30,000 is rear-ended by a person that has only 15,000 dollars of property damage liability coverage, the individual who was rear-ended will be covered for the extra quantity by the underinsured motorist policy Comprehensive and Collision Coverage Automobile InsuranceComprehensive and collision automobile insurance are also optional coverage sorts that can be extremely useful Even though normally optional, if a individual has a automobile that is financed, the financing bank will likely need that the individual maintain comprehensive and collision coverage on the vehicle for the duration of the loan Collision coverage basically covers the vehicle in the event it is involved in a collision with nearly anything other than a deer, which falls under comprehensive auto insurance coverage Comprehensive coverage will cover most events that collision coverage does not This consists of things like vandalism, flooding and theft In most states and with most insurers, this also consists of collision with an animal like a deer .

The first thing to do is to remove your motor vehicle from the roadway, if possible. Leaving your automobile in the way of oncoming traffic can result in additional accidents and injuries. If you cannot retract your vehicle from the roadway, turn on your hazard lights. You should store in your vehicle at all times some sort of warning cones or flares that will help other oncoming vehicles avoid your disabled automobile.

Call the police from your cell phone. When the police arrive, they will ask you your version of the events. Never say that the accident was your fault, even if you think it was. State the relevant unprejudiced facts as necessary.

If police are not going to be alive to, exchange information with the other driver. Make sure you opinion their driver’s license, registration, and insurance card yourself. Prefer down their license plate number, telephone number and email address. Jot down a description of the accident. Take photos of the vehicles and accident scene with a disposable camera that you should keep in your vehicle at all times.

If you are feeling at all not like yourself, ask for an ambulance. Go to the emergency room and get checked out. Know exactly what your insurance covers. Your insurance most likely includes a no-fault policy, meaning your medical costs will be covered by your own insurance company regardless of who caused the accident.

File an accident report with the appropriate state agency. Forms for such reports are available from local police departments and motor vehicle agencies. If you are at all injured (even if you don’t consider the injury serious), contact an attorney prior to filling out the police record. An injury lawyer will fully explain your rights under the law.

Maintain in mind that the other driver may describe this accident to his insurance company even if both parties agreed to pay for the damages themselves. Don’t make assumptions; cover yourself. Make certain your insurance company has your version of the events.

Hopefully, this information will be of no use to you. But it’s better to be safe than sorry. Keep this information with you in your vehicle at all times so that you will know precisely what to do if you are involved in an automobile accident.