What to Do After an Accident (of Any Kind)

What to Do After an AccidentAccidents happen every day; despite their frequency, we are still left wondering what we should do when we find ourselves having had one.

Accidents are called accidents for a reason: they’re unexpected and can happen at literally any time. From the near cosmic impossibility of an asteroid wiping out all human life on the planet, to simply forgetting your watch on your nightstand, accidents come in a wide variety of examples. Most fall within reason, and for these, there is a checklist which you should review so the next time you have an accident, you are ready to go.

  • Keep calm. Do whatever is necessary to protect your family members and your property. The best way to accomplish this is by staying calm and having a clear head.
  • Is anyone injured? Checking for injuries may save a life; if someone is injured call for help immediately.
  • Don’t flee the scene of an accident. Doing so may get you in even further trouble.
  • Don’t admit responsibility. For liability reasons, never admit that the accident was your fault, nor should you blame anyone else.
  • Record the other person’s information. Name, address, phone numbers, and any other information that is important. If there are any witnesses, try and get their information as well.
  • Always notify law enforcement. If there are any injuries, death, or serious property damage related to the incident, notify law enforcement.
  • If there is any theft or vandalism that occurred, be sure to contact the police and report all of the missing items.
  • (If there is an asteroid that hits the Earth, just hope it isn’t big enough to destroy everything.)

Ensure that you will not face hardship from an accident. You can buy that peace of mind! For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

Tips for Escaping a Car in Water

Tips for Escaping a Car in Water

With the rainy season making its way in, it becomes increasingly more important that motorists know how to respond if their car gets stuck in water. When you are prepared and know the appropriate way to react to an incident such as this, the incident is not as trying. Allow these important safety tips for escaping a car in water to assist:

  • Whatever you do, DO NOT panic! This can prove to make the situation a lot worse.
  • Make sure to get out of the car before the car is completely covered in water.
  • If you have having trouble getting out, open the window to equalize the pressure building both outside of the car and inside of the car. If the window will not open, break the glass.
  • You can expect the end of the car where the engine is located to sink faster.
  • Do not spend your time worrying about retrieving your valuables. They will likely still be there when your car is recovered.

Contact Miller Insurance Associates in Carlisle for all of your Pennsylvania auto insurance needs. We will go above and beyond to ensure that you have optimal protection on the open roads.

Limited Tort vs. Full Tort

Limited Tort vs. Full Tort

When it comes to choosing the right coverage for your auto insurance policy, you will need to make a decision between limited tort and full tort. This decision can prove to be extremely important if you get in a car accident. We understand that navigating the various auto insurance coverage options can be overwhelming, which is why we have gathered all the must-know information for choosing between Limited Tort and Full Tort:

  • Limited Tort: Limited Tort means that if you are in a car accident, you have the ability to sue for limited recovery.  In the case of a “serious” injury you could retain the right to sue.  The definition of “serious” injury could be somewhat questionable.  The Limited Tort option is less expensive than Full Tort.
  • Full Tort: In contrast, Full Tort means you would have the ability to sue for “all” damages including pain and suffering.

Contact Miller Insurance Associates in Carlisle for all of your Pennsylvania auto insurance needs. We can guide you in making an informed decision regarding Limited Tort and Full Tort.