Planning to rent a car for summer vacation? Review your insurance coverage before you go. Don’t wait until you reach the rental car counter, where you might feel pressured to make a quick decision and buy extra coverage. Do your homework ahead of time and figure out if you need the rental company’s insurance.
- Check for injuries and call an ambulance if needed.
- If safe, move the cars out of traffic.
- Call the police and request an accident report.
- Exchange information with the other driver.
- Get name, address, driver’s license number, and insurance provider. Document the scene. Take pictures. Sketch a diagram of the accident and record vehicle info (make, damage, license plate) for all vehicles involved. (Click the form below to download a printable accident report form to keep in your car.)
- Notify your insurance agent within 24 hours.
Tornadoes are devastating, of course, but gusty days and straight-line winds actually account for more claims than confirmed tornadoes. Make sure your home is in good repair and your landscaping is kept up to prevent damage. Remove weak branches before they fall on the house, use bark instead of landscaping rock that can damage windows, and store lawn furniture safely out of the wind when it’s not in use.