Ive Just Been Rear Ended-Now What?

Unfortunately, if you drive car on a regular basis the odds are pretty good that at some point you’ll be involved in an accident. When the time comes, following a few simple steps can help to keep the accident scene as safe as possible, and will help to ensure that the at fault party assumes responsibility. Take a few minutes to write down the following steps and keep the information in your glove compartment. Many times when a person is involved in an accident emotions can run very high and it’s easy to forget to follow the proper procedures.

* The first thing to do if you’re involved in an accident is to stop your vehicle and pull off the road if possible.

* Check to see if anyone is hurt. If so call 911.

* Beware of anyone who doesn’t want the police involved. Call the police and report the accident. Call the police!

* If the vehicles can’t be driven put out flares or cones to redirect traffic around the accident.

* Exchange information including , name, address, and phone numbers of all drivers and witnesses. Driver’s license numbers and license plate numbers. Insurance company info. Year, make and model of vehicles involved once the accident scene is safe.

* Make some notes about the accident including exact time and location, weather and road conditions.

* Ask witnesses to write a short statement of what they saw.

* Only discuss the accident with the police. Don’t give your opinion of what happened without the police present.

Give the police your full cooperation when they arrive. Get the officer’s badge number and ask for a copy of the accident report.

* Call your insurance company and report the accident as soon as possible.

You can make a bad situation a little easier to deal with by knowing what to do before an accident happens. Take the time to be prepared. Reviewing your auto insurance policy to make sure you have the right coverage is always a good idea.

To start saving on yourinsurance visit auto insurance comparisons or for free quotes on your health insurance go to health insurance comparisons

What Factors Effect Health Insurance Rates

There are a a number of factors that effect the rates you pay for health insurance including your age, health, marital status, your height and weight, preexisting conditions at the time of application and the type of plan you choose, to name just a few. Some basic principles apply when setting medical insurance rates, most are based on risk, though insurers place more or less emphasis on each factor depending on underwriting guidelines.

Healthier people pay less for health insurance, as you might imagine, as do married couples and those who are height/weight proportionate. Non smokers and those with low risk occupations also pay less. But it’s more complicated than that. The type of medical plan you choose is a huge factor that has an effect on what you pay. The plan you choose should be based on both what you can afford, and what kind of plan best fits your needs.

Indemnity Plan

An Indemnity Care Plan allows you to choose any doctor you want and to see specialists without getting approval from a “primary care physician” .You have the freedom to choose when and where to seek medical assistance. Traditional health insurance is generally more expensive than other types of health plans and may require more paperwork to file claims. Many people don’t mind the higher cost in exchange for the greater freedom this type of plan offers.

Managed Care Plans – PPO vs HMO

PPO (Preferred Provider Organization)

PPOs are less flexible than traditional health insurance plans but more flexible than HMOs. You can choose the doctor you want to see (including a specialist), but your co-payment will be higher if the physician you choose is not a “preferred provider”, that is, a physician that the health plan has a contract with. With a PPO you will almost always need to get their approval before entering a hospital. They are however, more likely to cover checkups and other preventive medical services than traditional health insurance plans.

HMO ( Health Maintenance Organization )

Most of the several types of HMOs will require you go to a health care provider within their organization in order for the expenses to be covered. Most will require that you choose a primary care physician who will coordinate your care. More than likely to see a specialist, you’ll have to get approval from your primary care physician. You must get approval from the HMO before entering a hospital or receiving some other kinds of non-emergency care. HMO’s are quite restrictive but also the least expensive.

Bottom line: your insurance company takes all these factors into consideration when setting health insurance rates. So choose your plan carefully and take charge of the factors within your control to help keep premium rates low.

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