The Best Way to Report an Auto Accident to Your Insurance Company

Many people wonder about what they should do first when they have been in an auto accident in St. George, Utah. After a few preliminary things are done at the scene of the accident, filing a claim with your insurance company is the next step. You do not have to file a claim, sometimes you may wish to simply notify your insurance company of an accident and choose not to file. However, if you are going to file a claim, which you usually should, then there are certain things that you must be aware of before reporting an auto accident to your insurance company.

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Photo Credit: elly jonez

  1. First and foremost, always be safe. Remain in your vehicle if that is the safest place. Get out if it is not. Seek medical attention for anyone that is injured, and turn on your hazard lights.
  2. Always make sure to get the other driver’s information. Take a picture of the other driver’s license plate with your phone. Then write down the other driver’s name, make and model of his car, and his insurance information. Sometimes the other driver may attempt to persuade you not to make an insurance claim, a police report and this basic information must be taken down no matter what.
  3. Always make sure there is a police report. Involving the police immediately after your accident is the only way to make sure that the other driver’s story does not change. A police report gives both parties a neutral third party perspective of what happened. Once it is recorded, fault is much easier for insurance companies to determine down the road.
  4. Look for available witnesses. In a best case scenario, you would want neutral third-party witnesses to write witness statements and include them in the police report. If that is not possible, at least obtaining the name and phone number of a neutral third-party witness could be extremely helpful later when the insurance companies are determining fault.

Once you have completed the first four steps, and you have taken enough time to be calm and collect your thoughts, you are ready to file your claim. Either contact your insurance agent or just use the phone number on your insurance card that you have with you in the car. While speaking with your insurance company, keep in mind that the phone call is likely being recorded. Do not say anything that you do not know to be true. Oftentimes, people do not realize the extent of their damage until well after the accident. That is why it may be wiser to wait and call in your claim after you get home so that you can better assess your injuries. Here are some additional tips:

  1. Do not be emotional and do not make guesses or exaggerations about what happened. Simply tell them the specifics of the accident.
  2. Your insurance company has contracted with you to protect you in the event of an accident. Do not be scared to file a claim with them. Failure to report an accident could be far more problematic for you in the future. Keep in mind that you are filing your claim with your own insurance provider. They are there to help.

If you are contacted by the other driver’s insurance provider, be very careful what you say. Do not rely on your memory. Write down what happened at the time of the accident and only tell them that. In fact, at that point, it may be best to just refer the at-fault driver’s insurance company to your attorney. A good personal injury attorney has experience dealing with insurance companies. He or she can take away much of the stress after an auto-accident.

The Credit Flows, Is This ATruth or A Lie


As you wander through the streets and flooded poster “enters and finds the loan you are looking for” “give credit to your illusions” “finance the project you have in mind,” he recalls those times in which the credit was flowing for everyone. Comparing between this era and the past is that today whether to grant personal loans entities or consumption, but creditworthy customers.

Few can boast Spanish bank financing have gotten over the past four years. In counterpoint, citrus are the memories of those who went to their bank for a loan and do not materialize.

Knowledgeable banking panic scenario surrounding families and individuals has designed attractive financing campaigns to encourage customers to borrow money.

At this time, no one questions that in the credit market are very striking deals. Similarly few dispute that the fall in demand. With those two certainties, sales managers working bank clients seeking for zero risk profiles, who offer personal loans.

I wonder how you can get a personal loan.

Currently, hiring a personal loan involves a long period of time. The most resounding example of what I say is the requirements that we must submit. For example, payroll, money order, receipt or expenditure budget, etc. But these factors do not justify the granting of money, you have to hire additional products-insurance or life insurance payments, credit-card, provide additional guarantees and not registered in any file of defaulters. Hence, there is an increase of discouragement among consumers when considering a credit transaction. For the consumer it is important to have a perception of the contract that allows better understanding and accepting the conditions.

In short, cannot believe that with all these ads hanging from the windows of banks, fast loans no rebound.

How to Handle your Business Finance along with your Personal Financial Resources?


In order to manage these two items, the money should be kept separate so that it is easier to track and so you will not use your personal funds in business expenses.

Keep separate accounts

The money from the business and spent to keep the home and family should be carried separately. This avoids confusion when making tax payments and other legal obligations, helps to account for the money that belongs to the business, and helps you keep track of how you spend the money. Carrying separate accounts also protects personal resources against debts and business expenses, if it fails to succeed.

Ways to keep accounts separate

1. Have a separate bank account for the business. It is easier to control business expenses if handled from a single account, and you will have a clearer idea on earnings.

2. Keep the money in a safe place. Ask other business owners what banks use and what to choose savings plans.

3. Adopt a good accounting system that allows you to keep track of your expenses. Talk to affluent business owners and ask them about accounting systems that provide them with good results.

4. Pay yourself a salary and consider it as a business expense.

5. Decide in advance how much you want to invest their personal savings in the business. Set a fixed limit to help you determine whether it is worth investing money in this business or not.

No misused funds business

As a business owner, you might be tempted to consider it all earnings as personal income, but even you manage the money, you should not treat it as your own, as to do so could lead to other risks. For example, if you start with the business and borrow as collateral, then it cannot be paid, the company would be at risk, as are investments that other people do it.

Car Accident – Go to Court vs Mediation

Mediation is the simplest form of dispute resolution that involves a third party. It is considered alternative dispute resolution because mediation and arbitration are alternatives to formal litigation. Car accident mediation is an option, both parties must agree to it. Neither party can force the other party to mediate. Down the road, after litigation has commenced, the court may force the parties to mediate before proceeding but this is not very common. Mediation is not binding on either party, it is simply an attempt to reconcile. With that in mind, you should not agree to mediate if you have no interest in settling your dispute amicably. You should also not agree to it if you believe that the other side has no interest in settling the dispute amicably. To do so would simply be a waste of money.

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Photo Credit: NRMA Motoring and Services

After both sides agree to mediation, the next step is to agree to a mediator. The two parties will split the fee to pay the mediator. Mediators are typically experienced attorneys or former judges. You will want one that understands personal injury law and has experience in the courtroom. That way, they would understand how the dispute might come out in court. That knowledge will give more weight to their recommendations and will give valuable insight to both parties.

When you arrive at your mediation, both parties will be allowed to explain their interpretation of the facts. Once both stories are fully out there so that all parties can understand what issues are in dispute, the mediator will begin to act as a facilitator to help the parties resolve those issues. Hearing the adverse side argue their case can be aggravating, when people get aggravated, they get irrational. Being irrational can be a huge barrier to resolving disputes in a mutually beneficial way. For that reason, the mediator may separate the parties into different rooms after explaining the facts. He or she can then bounce back and forth and point out each parties weaknesses in private in an attempt to get their ideas about the case closer to being in accord. It is important to remember that the mediator is not your judge. He or she has no vested interest in one side wining. They get paid no matter what. They are really just there to provide a neutral third party outlook and make recommendations.

There are definitely a few important tips to keep in mind while preparing for your mediation. The first to make sure that the opposing party brings their real decision maker. There is no point to spend time and money reaching a solution only to have the solution rejected by the decision maker. Who you choose as your mediator can also be very important. Most courthouses in Southern Utah will refer you to a trusted mediator if you call and ask. Some mediators are so effective that they can accomplish this is under an hour. That is why mediation can be a great resolution for a lot of disputes. Conflicts can be resolved quickly and cheaply. Formal litigation is far more expensive and time consuming.

This article is offered only for general information and educational purposes. It is not offered as and does not constitute legal advice or legal opinion. You should not act or rely on any information contained in this article without first seeking the advice of an attorney.

Keys To Have a Successive Business; Marketing, Knowledge and Finance


Given the possible occurrence of obstacles they lock the way to obtaining your goals are set, action plans to overcome obstacles, i.e. have planned from the outset exit options for possible crises.

The council is to analyze what can go wrong and always have alternative actions before the occurrence of a problem. This means that you should be prepared for some contingencies such as rising prices, falling demand, changing tastes, etc.

Simply put it, if you want to get from place A to place B, then you should think to get resources (time, materials, effort, supplies, etc…) The obstacles that he can oppose (darkness, rain, risk, etc…) and the resources and action plans that will have to overcome these obstacles. That is to have a strategy.

Use marketing

People generally tend to confuse marketing with advertising or sales. Although the concept is really very broad, marketing guides our decisions in four directions (called “the four Ps”):

Products and services to offer (Product)

Clientele to attend and take the form of products and services to the customers (Place)

Price level (Prices)

Ways to bring its product information to customers (Promotion)

Based on these decisions, you should set a “mixture” as favorable to potential buyers. You must provide goods and services that the customer wants and also identify with their needs.

The price level should be adequate (as we said, the customer must feel that pays less than what your product is worth, but that price should give you an adequate level of income).

Their products must arrive continuously and without difficulty to their customers, they should be no obstacles or difficulties to deliver the goods you want to sell.

Last but not least, you should know to get the knowledge of the existence of your product to customers.

The marketing mix is certainly paramount, and the really relevant when discussing the topic mixture is the consistency of it, i.e., “the four Ps” must go in the same direction, there can be contradictions: their prices should be consistent with the purchasing power of their customers, his promotion with his clientele frequents places, in the style that you like, and associated with the level of luxury and simplicity that give prices, etc..

All this to say that the thought of “the four Ps” (Product, Place, Price and Promotion) consistency is extremely important, if one of them is abandoned or becomes inconsistent, as if it were the leg of a table, it will fall.

The same occurs when a good markets or service if the price is too high or too low, we fail, if we the consumer distribution, equal, if not we promote the product or if our product does not meet the requirements of the customers, even worse.

What is relevant in this respect is not to leave the chance any of the four legs of marketing.

It should be noted that sometimes in marketing one of the factors may prevail over the other three perhaps the client’s decision was based more on the presence of the product on the shelves, and then your marketing strategy should emphasize distribution.

That is the case with many drinks and meals, if we come to a shop and ask certain brand of beverage and is not available in the end, it will ended up buying the brand they have in place.

Maybe I can be the price if the quality is very homogeneous, or maybe the physical characteristics of the product, if buyers are based on that. In the end, what matters is to make a little empathy with customers (put yourself in their shoes) in the mix and offer something that really interests them, they get, what they pay and serve.

Compete with knowledge

Generally, you will not be alone in your market; you will always have competitors, actual and potential. The most important and valuable tool when competing is information.

So, not lowering prices or increasing quality, and with a successful marketing campaign you compete better than knowing everything about the companies that compete with us.

In order to be competitive, you should be able to know the strengths and weaknesses of your competitors, besides knowing their strategies and ways to create value.

With these items you can see where your customer is strong and where to improve. The strengths of its powers must analyze and see how to minimize the weaknesses of those who are not like you; you must attack them and seize them.

Be clever with money (Finance)

Finance helps us manage our money optimally. Finances are in fact an excellent tool to generate value. A skillful handling of money can be the difference between being good and being bad in a business. We mentioned the need to be handled with the least amount of resources possible.

Finances are in fact present in all aspects of our lives and find other money is important; the great secret of finance is to work with little and getting a lot. Collect early and have an adequate margin.