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710 E Laurel Ave
Foley, AL 36535

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Things You Shouldn’t Do After a Car Accident

If you live in Foley, AL and you’re ever involved in an auto accident, you’re likely to be shaken if not completely distraught. Despite this fact, you need to keep in mind that there are several things that you shouldn’t do following a car accident.

Here is an overview so you will know exactly what to refrain from doing:

Leave the scene

You should never, ever leave the scene of an accident, regardless of who is at fault. Even if you accidentally hit a parked car and the owner of the vehicle is nowhere around, you should call the police and wait for them to arrive. You should also wait for the owner of the vehicle, if feasible. If you leave the scene of an accident, you could be charged with a hit and run, especially if you were at fault. 

Admit Fault

Even if you’re absolutely sure that an accident was a result of your negligence, you should never admit fault to the police, the other driver, or any bystanders. It might be discovered that you weren’t at fault, but if you admit fault on the scene, then you could be charged. The police could give you a ticket, and the other driver could sue you. 

Argue or Threaten the Other Driver 

Regardless of how angry you might be at the other driver, you should always refrain from threatening anyone on the scene or starting an argument. Any emotions that you’re experiencing are likely normal, but it isn’t normal to allow a volatile temper to get the best of you. You need to remain as calm as possible as you speak with the police, as you don’t want to end up getting arrested.

Southern Risk Associates Is Here To Help

As you can see, there are certain things that you should refrain from doing if you’re ever involved in an accident in Foley, AL or any place else. If you need a new insurer for your car or truck, then we at Southern Risk Associates can provide you with a quote in case you’re interested in starting a policy. We go above and beyond to ensure all our customers are treated fairly and provided with high-quality coverage and customer service. 

Why You Need Full Coverage Car Insurance

If you live in the Foley, AL area, you know the roads can be unpredictable. From severe weather to construction and everything in between, it’s crucial to have full coverage car insurance.

Here’s why:

Liability Protection

If you cause an accident, the full car insurance coverage will protect you from paying out of pocket for the damages. Whether it’s property damage or bodily injury, your insurance will cover the costs up to your policy limit. Also, the full car insurance coverage will help pay for your legal fees if you’re sued.

Uninsured/Underinsured Motorist Protection

Unfortunately, not everyone has car insurance. If you’re in an accident with an uninsured driver, you could be stuck footing the bill for the damages. Full coverage car insurance will protect you in this situation, as well as if you’re in an accident with a driver who doesn’t have enough insurance to cover the damage.

A Southern Risk Associates representative can help you determine the right amount of coverage for your needs.

Collision Coverage

If you’re in an accident, collision coverage will help pay to repair your car regardless of who is at fault. This protection is significant if you have a loan or lease on your vehicle.

Comprehensive Coverage

Comprehensive coverage helps pay to repair or replace your car if it’s damaged in an incident that’s not a collision. This can include damage from severe weather, theft, vandalism, or hitting an animal.

Contact Us Today

Full coverage car insurance is a must if you live in the Foley, AL area. Contact Southern Risk Associates today for a free quote. We’ll make sure you’re properly protected on the road.

Why basic auto insurance may not be the right choice

Alabama is not one of the most populous states, but the roads are far from empty. Anytime you share the road with other drivers, there is the danger of an accident. Drivers in Alabama must have the basic insurance that is required by the state in order to drive. At Southern Risk Associates in Foley, AL, we are locally owned and operated and deal with multiple carriers so that we can offer our customers the choices they need to find just the right coverage. 

The required minimum for auto insurance in Alabama is 25/50/25. You must have $25,000 for one person for bodily injury and a total for an accident of $50,000. Additionally, you must have $25,000 in property damage. In the big scheme of things, this is not a bad amount of liability coverage.

If you don’t have a lot of assets, this may be appropriate. If however, you have accumulated a reasonable amount of wealth, you might find that you need to have a higher level of coverage to feel safe. You could raise the limit on your auto policy and consider adding an umbrella policy to supplement your policy. 

Basic insurance is designed to protect other people from you in the event you are the responsible party in an auto accident. If you have a vehicle with little or no value, not covering it may be the right option. If however, you count on your vehicle to get to work and run errands, you may want to consider covering your vehicle with collision and comprehensive coverage. Having to pay for repairs can be expensive and not everyone has the available cash to manage that. 

If you have questions about what coverage is right for you, contact Southern Risk Associates in Foley, AL, and talk to one of our experienced agents. 

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