Information Center

Accident Information • Date & Time • Location (Address) • Environmental Conditions (ex. road debris, rain) • Speed driven at time of incident Document the Following Information • Driver's Full Name • Vehicle's Registered Owner Info • Driver's Driver's License Info • Insurance company name • Insurance Policy Number • Insurance company address • Insurance company's Phone Number • Responding officer's or personnel's name • Police Station Phone number (request copy of report here) Post Accident To-Do's: • Document a descriptive narrative of the accident. • Description of all damage to your car • Description of all damage to other car • Take photos of both car's damage, • Take photos of the accident's location (road debris and/or obstacles) • Sketch a diagram of the accident's street/s If you need assistance submitting your claim, contact our office at (323) 933-9888.

Accidents are never fun and when they do happen, shock and confusion are two things that can happen to anyone involved in one. Ever wonder why your claim is taking longer than you would have hoped? Did you know there are things that you can do at the scene of an accident that may help speed along your claim? 1) Call the police at once. 2) Never admit fault. 3) Write down the following information: · Date · time and place of the accident · Names · Addresses · phone numbers · and insurance information of everyone involved · Make, model and licensing plate number of other vehicle 4) Call your auto insurance company immediately. 5) Take pictures of your car and the other if you can.

Most claims that are delayed are because your insurance company has to try to track down the other parties involved in the accident, so following these guidelines can help speed up the time that it takes to process your claim.

Unlike a personal auto insurance plan, commercial coverage is designed for the needs of businesses that have several drivers and multiple cars. It works around the possibility that every employee within the company will drive the vehicles, so the liability protection is usually greater than the amount provided under a personal plan. According to the American Association of Motor Vehicle Administrators, Commercial companies do not register vehicles in the same way as a personal vehicle, so the information provided to obtain a quote is different. A commercial company can have as many as several hundred possible drivers, all of whom are insured under the policy. The result of that difference is that an insurance provider may not be able to match the VIN on the vehicle to the state database, so other measures are necessary to provide appropriate coverage. The other difference between commercial and personal coverage is the number of drivers. A business may need coverage for more than one driver, you want to include all your employees, even if they only drive occasionally. The rates are based on what kind of business your radius of work, drivers record, how many job stops, previous coverage discount, General liability discount…….. etc

Although commercial auto coverage is available and you can apply for that type of program, it is not appropriate if you need to protect a vehicle that is used primarily for personal reasons. Consumers need personal auto coverage that meets or exceeds the minimum state standards. Companies and business owners who are protecting both assets and employees will need a greater amount of protection and a commercial plan. When you are looking for coverage, focus on personal protection plans. Avoid commercial plans unless you are starting a company and intend to use the vehicle for business purposes rather than personal needs. Commercial and personal auto insurance are completely different programs. They are designed for different needs and situations. For the most part, consumers will need to purchase a personal plan to protect assets.

An SR-22 is a certificate of financial responsibility developed by the insurance industry and state departments of motor vehicles (DMVs). This form tells the DMVs that an individual has automobile insurance for all the cars owned in force. The form is used when someone must prove they have insurance to obtain and maintain this coverage for a certain perid of time and it is determine by the DMV to keep license, usually for one of these reasons: 1. Major convictions like DUI or reckless driving 2. Conviction for not having insurance 3. Failure to pay damages for an at-fault accident 4. Underage drinking conviction Who must file an SR-22? State DMVs mandate who must file an SR-22. Every driver is required to have some minimum amount of insurance in most states. This requirement is the basis of "compulsory auto insurance law" which states that drivers must be financially responsible by purchasing liability insurance. Usually, the state DMV accepts the automobile owner's word for having the required insurance. If the owner or licensee fails to maintain insurance or get a major ticket, DMV mandates showing proof of insurance.

Insurance companies file these forms for their customers, but not all do. So, if you need to obtain new insurance in order to comply with financial responsibility filings, fewer companies will offer insurance. Simply ask your agent to file the SR-22 or call the customer service number at your insurance company. They will take care of it for you.