Basic Automobile Insurance

As with any case concerning health, with auto insurance, your priority should always be the welfare of all people involved irregardless of who is at fault. The auto is covered by the insurance policy (if you do have insurance) as well as most of the early costs that can be incurred in the accident and the immediate aftermath. More serious accidents will surely get the involvement of the police but minor fender-benders can be resolved between the two drivers concerned. In some states, the police should be informed of any accident where damage is estimated to exceed a certain limit as defined by law or if somebody has been hurt as a result of the accident, may they be a passenger, driver or innocent bystander who was hit and suffered injury.
If you are called by police at the scene, be sure to provide all relevant information that is asked of you and try to avoid beating around the bush in cases of any underlying condition (missing, suspended or revoked license) for any lies noted by police will be used against you should you be subject to the courts. Admit fault if necessary and state the full facts, but one thing, be sure the person you are talking to is an investigator and not somebody from the opposite party’s group or representatives, you could end up incriminating yourself. Inform the agent of the incident