Tag: insurance coverage

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Summer Travel Safety: Do You Have Sufficient Insurance?

Ben Johnson of Bob Johnson Insurance in TN

We want to finish out our Travel Safety Series with a quick tip about insurance.

Getting your car and yourself ready for a vacation should involve more than just packing a bag and filling the tank. Do you know what will be covered if something happens along the way? What if you get into an accident in another state or country? What about your home while you’re gone? Do you have traveler’s insurance?

One of your pre-vacation steps should be to check with your insurance agent to ensure that you have sufficient coverage in case the worst happens while you’re out and about on your adventure. Do a thorough insurance review of your policy and let your agent know what your plans are to ensure that you will be covered in case things go awry along the way.

Don’t wait until you’re stuck on the side of the road to find out whether your coverage is sufficient. Give us a call (865-922-3111) or use our contact form.  Doing a review doesn’t take long and our experienced agents can help you understand the coverage you have and what you might need as well as answer any questions you may have.

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What to Do if an Accident Occurs

Be prepared with the right coverage before you need it.

With so many people on the road during peak vacation months, it may be a good time to brush up on what you should do in the event you’re involved in a crash. Here are some tips from The Progressive Group of Insurance Companies.

Preparedness starts before you leave the driveway:

If your phone does not have a camera, put a disposable camera and pen and paper in your glove box. Car insurance claims can be settled faster if there’s a good record of what happened. If you can take photographs or collect license plate numbers, or even names and phone numbers of witnesses, these can all help your insurance company establish facts faster.

If you are involved in a crash:

  • Move your vehicle out of the roadway, if you can. If your car is able to be driven, move it off of the road a safe distance. By getting off the road, you can help to avoid a second collision.
  • Turn on your flashers or your lights. You want to be certain your vehicle is visible to other drivers.
  • Check yourself and your passengers for injuries. If someone is injured, call 911 immediately.
  • Call local police to report the crash.
  • Call your insurance company to report the crash. The earlier your insurance company knows about the crash, the faster it can get to work to resolve your claim.
  • Start documenting what happened, if you can. If you’re able to do so safely, take photographs, make notes, ask witnesses for names and phone numbers. If you’re not able to do so safely, stand as far from the roadway — and the crashed cars — as you possibly can.
  • Exchange only your insurance company name. Do not discuss the details of your coverage with anyone at the accident scene.
  • Exchange vital information with the other driver(s). Names, addresses, phone numbers are all useful to your insurance company in settling the claim.

For other tips to keep you safe on the road and keep your insurance rates down or to find an independent agent, call Bob Johnson Insurance, Inc. at 865-922-3111 or click here to contact us.