Driving has become a natural and needed part of life. It’s a right of passage for every teenager and every year millions of people around the world qualify for a driver’s license. You may be an excellent driver, concerned for the safety of yourself and others, always use your indicator when about to make a turn, stop at red lights, and so forth but not everyone you’ll meet behind the wheel is so conscientious. Some drivers overestimate their skill and as such their reckless actions can result in an accident. You never know when this might occur so best to always be prepared.
Safeguard Your Money By Placing Responsibility on the Proper Party
What does that mean exactly? Well, consider giving a car to a close friend as a graduation gift. They’re still young so you decide to keep the car’s title under your name. You get a call after work one day informing you there was an accident and you’re now liable for $10, 000 in damages. Can you rebuttal this? No. It may not be your car, you would not have been driving but in the eyes of the law, you own it. You are now on the hook for that amount.
For many people, ten thousand dollars is nothing to sniff at. To avoid such a situation befalling you, make the smart move. You may still gift vehicles should you desire, but transfer the title forthwith. Then you will be completely off the hook should an accident take place. You would have just secured some of your assets.
Full Coverage Insurance
As long as you have a vehicle, you should strive to never be out on the road without insurance. A full-coverage automobile plan is an ideal situation. You will be afforded liability coverage which deals with fault for damage and or injury sustained by any other party in the event of a crash. Collision coverage is for any damage your vehicle sustains in the accident. Anything outside of a collision that happens to your car can be covered by comprehensive insurance.
You pay a monthly premium so that in the event of a vehicular accident, you don’t have to scramble to find money to repair someone else’s car.
Most states mandate that a driver has at least liability coverage. Everything else depends upon you and what you believe is best. You may also want to consider umbrella liability insurance which is said to give even greater personal liability coverage than any automobile plan.
Call Up Your Lawyer
A car accident attorney is someone to have on speed dial, especially if you live in Michigan. The no-fault insurance can be complicated to wrap your mind around but you will be walked through patiently. Negotiating with insurance companies is not something for the weak-hearted or minded. Furthermore, law gurus from this site have the experience and the tools to take on the big guns and get you results. Once getting a good grasp of the injuries you sustained, the value of your claim will be determined.
Do not give in and accept the first offer the insurance from someone else offers you. This is never in your best interest to do. They’re not looking out for your good. Let your lawyer take the lead to get you the most from your claim.
Protect Your Physical Form
Wear your seatbelts, please. This is one very simple step you can take to increase your odds of survival during a collision. Manufacturers have included airbags in vehicles since the 1970s. This is another level of protection. Together these two means have saved many lives.
The seat belt holds your body in place even though the car may be sliding, spinning, or even flipping out of control. You won’t be ejected from the car. This motion sometimes causes the most injury to the body.
The airbag works to cushion your chest from compression on the steering wheel and dashboard. Furthermore, it protects your head and eyes from broken glass should the windscreen be shattered and gives the neck more stability.
You see, there are things you can do to increase your odds of surviving a crash and safeguarding your finances. Both life and money are precious to most people and so be sure to take the necessary steps to secure both. Protect your assets in every way you can. Ensure your vehicle is fully insured. It is always important to have a legal professional on your side and by all means, please continue to wear your seatbelt.