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Auto Insurance Coverage


Always Be Prepared . . .

  • Keep the following In The Glove Compartment:
  • Always keep your insurance card in the car.
  • Keep a notebook to record important information.
  • Be certain to have a ballpoint pen or a pencil.
  • We recommend that you have a small disposable camera.
  • Keep a flashlight and fresh batteries.

At the Scene of an Accident . . .

  • Stop your vehicle immediately and get help for the injured! No matter how minor an accident may be, the failure to stop can result in serious

consequences. If possible, stop your vehicle at a point nearest to point of collision without obstructing traffic more than necessary.

  • Render Aid. If anyone is injured, render first aid to the extent that you are qualified; call immediately for a doctor and /or an ambulance; do not move an injured person in any way that could possibly add to his or her injury.
  • If there are injuries or substantial property damage, call (or have someone call) the police. Repeat the call for the police every five minutes. State and local police officers are trained accident investigators. Their expertise may be invaluable in establishing the cause of the accident.
  • Provide police with the information they require. 
  • Ask the investigating officer where to obtain a copy of the police report. You will probably need it.
  • Protect the scene and those involved from further damage or injury If the accident has obstructed the roadway, take measures to adequately warn approaching drivers.
  •  If the highway is obstructed at night, illuminate the accident scene if possible. 
  • Use the warning flashers that are standard equipment on most vehicles.
  • Record the details of the accident while they are fresh in your memory. Draw a diagram to recreate the scene. 
  • Obtain the names, addresses, and phone numbers of the other drivers, witnesses, and injured persons. 
  • Don't trust your memory. Write down the facts, including making a rough drawing of the scene. 
  • Drivers involved in automobile accidents are required by law to exhibit their driver's licenses and provide their vehicle registration numbers, insurance carriers, insurance policy numbers, and names and addresses of their local insurance agents to each driver involved in the accident.

    Below is a list of data items to help you collect the appropriate information:
  • Names, addresses and phone numbers of all drivers and passengers.
  • Vehicle registration numbers, make and model of each car involved.
  • Operator's drivers license number and insurance identification number.
  • Names and addresses of as many witnesses as possible.
  • Names and badge numbers of police officers.
  • Names and addresses of each drivers local insurance agents.

    DON'T hastily accept claim settlements at the scene of the accident. 
  • Be careful what you say. Do not admit fault even if you think the accident was your fault.
  • You may discover later that the other driver was equally or more at fault.
  • Statements made during the excitement of an accident may be misconstrued or later misquoted by others. 
  • Discuss the accident only with the investigating officer, your insurance company and your attorney.
  • Remain calm, be courteous be consistent in your version of the facts of the accident.

    After Leaving the Accident Scene . . .

  • See your doctor. Serious injuries do not always result in immediate pain or bloodshed. 
  • Consult a doctor or hospital if there is the slightest chance you may be injured.
  • Notify Rezin Insurance as soon as possible.  Check your insurance card for the phone number. 
  • Your insurance company employs trained investigators who will attempt to develop all evidence for your defense.

    Failure to promptly notify 
    your insurer may void your policy and leave you without insurance coverage for damage resulting from the accident.