By now you probably know how insurance works (hopefully). You pay monthly for a certain amount of coverage, and depending on what you pay, your insurance will cover part, or all, of your accident damage. But if you get in an accident that isn’t your fault, the other driver should have insurance to cover the damage.
Unfortunately, even though car insurance is required in almost all states, many drivers go without. This can result in additional fines or even a suspended license for uninsured drivers.
In some states, uninsured drivers are still required to cover certain costs of your accident. In New Hampshire, for example, insurance is not required, but a financial responsibility law requires individuals to show evidence that they have the resources to cover damages should an accident happen. However, buying the minimum car insurance policy is still easier and more financially responsible.
Some states also have no-fault insurance, which means that instead of determining who was to blame for the accident, each motorist is covered by their own insurance company. Your insurance pays regardless of who was at fault and you won’t have to prove it was the other driver to get covered. Texas is not one of these states, but they include Florida, New York, and Massachusetts among others.
Uninsured Motorist Coverage
When you purchase your insurance, you’ll have the option to get uninsured motorist coverage (UIM). This will cover your costs if you get in an accident with someone who doesn’t have insurance.
UIM is required in some states and required to be offered by insurance companies in some states. It’s basically an extra guarantee that your accident costs will be covered should the worst happen.
If you get in an accident with an uninsured driver, you can also file a lawsuit against them. You have to build a case that shows that the other driver was at fault. This isn’t a guarantee you’ll get your bills paid, however. Many drivers don’t have insurance because they can’t afford it, let alone your medical bills. This route is often for more extreme cases of negligence and serious medical bills.
In Texas, we have a minimum requirement of bodily injury and property damage liability. This will cover up to a certain amount of damages to the other driver’s car damage and medical costs. The Texas minimum coverage is 30/60/25, which means it will cover the other driver up to 30,000 per person, $60,000 per accident, and $25,000 in property damages.
It’s important to know what kind of insurance you have and how it will supplement your accident costs.
UIM coverage is not required in Texas, but it is a good idea to have it anyway. Even if the other motorist in an accident does have insurance, but it doesn’t fully cover your costs, UIM can make up the difference.
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In-car screens, often referred to as vehicle infotainment systems, are becoming a common built-in feature on most newer cars. Like many other devices, including cell phones, these are adding to driver distractions, and consequently leading to accidents.
The AAA Foundation conducted a study recently that showed while the technology is convenient in some ways, it results in some startling statistics related to distractions while driving.
No-texting law in the Lone Star State
The most commonly talked about distraction while driving is a cell phone. That’s why legislation was created in Texas, and other states, to address this issue. As of September 1, 2017 in Texas, it is against the law to text, read, or write messages on your phone while driving. This law refers to handheld communication devices and does not address the in-car systems.
As with any device, officials urge drivers to only focus on the road while operating a vehicle.
Greater chance of having a collision
In the past, AAA has conducted studies on driver distraction and discovered that if a driver stops focusing on the road for just two seconds, it can double the chance of having a car wreck.
The recent study found that when drivers use the in-car technology systems, they had more than 40 seconds of mental and visual distraction. And about 40 percent of drivers nationwide use these systems.
The study compared drivers using 30 different types of systems, including those that allowed web surfing and checking social media sites. Any of these can lead to a serious car accident.
No one wants to experience an accident caused by distracted driving. If you do get into an accident, AMM Collision is here to repair your car so you can safely get back on the road again.
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There is a lot of ground to cover on Texas roads. Naturally, there are going to be a lot of accidents in such a big state.
In 2016, there was a death toll of 3,794 in Texas car crashes, and around 14,000 serious injury crashes. That’s the equivalent of one person killed every two hours, and one injury every 2 minutes during the year of 2016.
With so many cars on the roads in this area, accidents will happen. Some of the reasons for collisions may not come as a surprise.
Collision in Central Texas
There are a number of causes for accidents and weather can always be a contributing factor. While some might think that speed is one of the top reasons for collisions in Harris County, there were 1,573 speed related accidents last year. DUI accidents were slightly higher with 2,941 crashes in 2016.
Distracted driving was one of the main causes, with 14,804 wrecks in Harris County last year. Failure to pay attention is the second highest factor for collisions in Texas’ urban areas. This can be texting while driving, talking on the phone, or any other type of distraction. Bexar County, or the San Antonio area, had the most distracted driving accidents with more than 26,000.
Steps to take after a collision
After an accident, assess if you have any injuries, and if you can safely get out of the vehicle. If you, your passengers, or anyone else involved in the accident has injuries, call 9-1-1 immediately. Law enforcement must be notified if there are injuries, deaths, or property damages. Exchange insurance and contact information with other drivers.
If your car isn’t drivable, you will have to call for a tow truck to transport your vehicle. Some collision repair shops will arrange this directly if you call them first.
If you have small dents on your car, it may be hard to bring yourself to get them repaired. The smaller dents may be the result of hail, or a minor accident, and is often cosmetic.
You may choose not to make the repairs on dents, especially if they cost more than the value of your vehicle. But paintless dent repair is quite affordable.
What is paintless dent repair?
Paintless dent repair, or PDR, is a process of removing dents from a vehicle without altering the finish on the vehicle. Technicians use specialized tools to remove small dents. PDR works best on vehicles when the paint is not damaged from the dent.
Auto body or paintless dent?
With damage from a major collision, the repairs must be made at an auto body shop. For smaller dents you have more options. Some repair shops that don’t specialize in body work will do PDR, but it’s important to ask for an opinion from a local body shop as well as others.
With any auto body repair, get several estimates to compare prices. You may decide to use paintless dent repair on your vehicle because it is cheaper, but listen to the recommendations from auto technicians. If more than one suggests collision repair over PDR, it may be because the damage is greater than it appears.
For example, a dent in a door may not look significant, but it could have caused damage to the mechanisms inside the door that can’t be seen. This type of damage that would be better off as an auto body repair.
Ask about guarantees and warranties with any work you have completed on your vehicle. Some shops offer lifetime guarantees on their work. Warranties will cover any problems you may encounter with that part later down the road (pun intended).
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