07/27/2018
Hi folks, happy Friday! Just wanted to let you folks know that if you are in a car accident, you need to at least report it to the police. I know you want to be nice. I know you just want to get out of there. I know you just want to go home. But, it is extremely important you report it or you could be left paying your own medical bills!!!! The reason is that in some instances, the other person that caused the accident may not have valid insurance. What I mean is that they may show you an insurance card, you take a picture or you write the information down, then later on, when you go to make a claim against their insurance, it gets denied because it is not a valid insurance. Meaning, this person didn't pay their bill on time, they made up the card, it's someone else's insurance, etc...whatever the reason, it is simply not valid! Now you are stuck with injuries, medical bills, car repairs, towing, etc... Who pays for that? You will be! Unfortunately, I've seen this more times than I can count. However, if you report the accident to the police, your own insurance may be able to help! After all, why pay for years of insurance if you can't use it when you need it the most! But, you must comply with certain rules before your insurance will take effect! Here's my previous article.
Imagine you are driving and you are hit by another car and it takes off, but you are unable to identify that owner or driver or vehicle. What happens then? Are you covered by your own insurance? Who pays for your property damage? Who