Six Things to Do If You Get Into a Car Accident

What to do if you get into a car accident in Roseville, CA

Being in an accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, and obtaining proper documentation helps support a claim. While accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these important steps will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the other vehicle(s) involved in the accident. If you are reporting a hit and run, this information will aid police in locating the driver. In the event of a hit and run it most likely happens when your vehicle is unattended. If you return to your vehicle to find damage, look for clues to help you prove your case, i.e. Security cameras.

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you should call the police to file a report, especially if another party is involved. It’s important to always have documentation of how the accident happened. Some people want to settle the claim without going through insurance, but this comes with risks. The other driver may not live up to their word and without contacting the police, it turns into a he said, she said scenario.

Exchange Information: Exchanging insurance ID cards is always recommended. Be sure to have their name and phone number too. It’s simple to take a picture with your phone. Be sure to include the car’s license plate number, year, make and model too.

Take pictures/Gather any witness information: If you have a witness who wants to share their side of the story, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident. Taking pictures also gives your insurance company more details on the damage of your vehicle.

Call your insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim or get an estimate first before calling your insurance company. If someone was injured or if you have major damage, it’s always best to call your insurance company immediately. Your insurance company can assist you with your claim so if you have taken pictures and provided all the information above, your claim can be settled quicker.

While we hope you never have to experience a car accident, being prepared will help you tackle the unfortunate situation.

Preventing Commercial Auto & Truck Theft

Trucking Insurance Roseville, California

Trucking Insurance Roseville, CaliforniaWhen it comes to preventing theft with your commercial truck or auto, the old saying goes, prevention is better than cure. Each year in the U.S., there are millions of dollars in theft of commercial vehicles as well as commercial vehicle cargo.

So, what can you do to prevent theft of your cargo or commercial vehicle?

Leaving the vehicle unattended in a parking lot waiting for delivery can be an easy target for thieves. Crimes of opportunity occur when the vehicle is parked even for short periods of time and someone quickly gets away with some cargo, or in rare instances, the entire vehicle.

Educating your employees about common crimes, theft and schemes that exist is important and your first line of action. There are instances when thieves will try to collude with the driver in order to partner with them and split the profits from stealing the cargo. If your drivers are aware of the schemes and the consequences they may be less likely to commit the crimes.

Preventative measures such as not leaving the trailer detached from the tractor in remote or unsecured areas as well as using security devices like Air Cuff Locks can help. There are also high-security container lock systems as well as GPS technology to help locate a stolen container and trailer.

While more complex scams exist, securing your vehicle is always the first step of prevention.

What Coverage Do You Need For Theft on Commercial Vehicles?

If you’re the victim of commercial truck theft or cargo theft, be sure that you have the right insurance policy to protect your vehicle and the valuable cargo.

Cargo insurance provides a cost effective way to cover your customer as well as yourself from physical loss or damaged goods in transit. It is important for you to discuss with your agent what company can insure your goods from theft as well as damage in transit.

Comprehensive Insurance can provide you with coverage for your vehicle and trailer in the event that they are stolen.

Understanding your commercial truck insurance as well as cargo insurance is critically important to your success and business. Talk to a licensed agent in our office about these coverages and others that are available.

How Commercial Trucks & Vehicles Insurance Premiums Are Calculated

Best Commercial Truck Insurance Rates in California

Best Commercial Truck Insurance Rates in CaliforniaWhen it comes to insuring large commercial trucks and vehicles, dealing with an experienced insurance agent will provide you with an understanding of your commercial truck coverage options and getting a better price on your commercial truck insurance.

Insuring a tractor trailer or semi-truck is very different than getting insurance on a pickup or SUV. In fact, many factors and discounts that come into play can include:

  • Weight of truck
  • USDOT authority
  • Coverage requirements
  • Cargo being hauled
  • Vehicle Type
  • Driving & CDL experience
  • Years in business
  • Credit history
  • Ticket & accident history
  • Distance typically driven
  • How you choose to pay
  • Prior insurance history

If you’re looking to get lower insurance premiums, there are some things that you can do.

  1. Clean up your driving history: Clean drivers have lower premiums. Period.
  2. Pay In Full: Paying your insurance premium in full (when possible) can provide massive discounts.
  3. Raise deductibles: Increasing your deductibles essentially shifts some of the risk to you. This can lower your premiums.
  4. Work with an agent who specializes in truck insurance: Insurance agents are discount detectives and want to help you get the most coverage for the best price. You won’t pay more for working with an agent either.

Questions to ask your agent:

Our licensed commercial truck agents will tailor a policy to meet your insurance needs as well as the contractual needs that you have. Be sure to have an open conversation with your agent including your driving history as this will always come up when a clue or motor vehicle report is run.

Let us help you find the best rate on your commercial truck insurance. We’ll dig for discounts, search our network of commercial truck insurance carriers and help find you the right coverage at that right price.