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If your one of the lucky ones who has yet to be in an accident, you should count your blessings. However, being in the know is still a good thing when you haven’t a clue on what to do.
After all these years of driving (30 plus years or so), I hadn’t had an accident on my driving record yet. Well, until now. The year of 2014 was my year of accidents. I had just purchased a brand new SUV, a nice pearl color. My wife picked it out, just so you know. I loved the feeling of my brand new car, the smell and all, and it had lasted all of two weeks. Yep! Two weeks, my friends!
My first accident was at a STOP sign. After I stopped, I proceeded out into a busy intersection, but I needed to brake abruptly due to some idiot that was driving too fast across my path. That’s when it happened. I had gotten rear-ended. Not a bad impact, but a “BUMP”. I breathed out a sigh and prayed that the damage wasn’t too bad. So I pulled into the closest parking lot, hoping the car behind me would follow. However, I was ready to take down the license number had it not followed me there. When we both got out of our cars and I saw that the other driver was a young girl who was obviously very nervous. She was profusely apologetic and very close to tears. Oh, boy! She told me all of her day’s mishaps only leading me to feeling sorrier for her than myself and my new car. But, when we finally got around to inspecting the damages, the only thing I noticed was that the bumper had come loose on mine and that it was an easy fix. I did take her information in case there was damage that I hadn’t noticed at the time, along with some pictures of her license and both cars where the impact was. She insisted she could pay cash if I did find anything wrong and I told her I would call if anything showed up.
That was a pretty easy example of what to do. But, that was only accident number one.
I won’t bore you with the details of the next two accidents, but I will tell you this. I was seriously considering that my SUV had an embedded bulls-eye on the rear trunk lift. I even looked to be sure there wasn’t a “Hit Me” sign scribbled in invisible marker somewhere that can only be seen when the car was in drive. But, I was fortunate that the other vehicles who had hit me were smaller and did little or no damage to mine like the first incident and with the same outcome.
My last and most recent accident, however, I was not that fortunate. This one occurred when my wife and I were in Newport and I was stopped at a traffic light this time, when I got SLAMMED!, not bumped like before, from behind. I didn’t sigh for I was infuriated that this black BMW could not see that I was obviously stopped at a red light! WOW!! Are you kidding me?!? When the woman driver exited her car she started to apologized, but I interrupted her when I saw what she holding in her hand. A cellphone. Right then, I knew exactly what it was that occupied her attention when she hit me. As I looked at the damage that she had done to both our cars, I knew that I needed to be very precise on the information I gathered from her in order for me to be reimbursed and to prove that she was clearly at fault. The repair bill was going to be a doozy!
This is what I did.
This is what I didn’t do and should have done.
I had all the proof I needed, right? Nope. If I had contacted the local authorities it could have saved me a ton of aggravation with dealings and settlement from the other driver’s claims department in the end. So, learn from my mistake.
Hopefully you will not need any of this information that I have shared with you here. But, if and when you do, it has taking some of the concern out of what you should do when you’ve gotten into that accident. Whether you are at fault or it was the other driver, this is why we have auto insurance for our cars for when these accidents happen. In the meantime, drive responsibly.
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions for many different situations. By no means can we address each reader’s specific concerns in every incident. We strongly advise you to check with a representative that can address your specific needs. However, you can contact us for any insurance questions or concerns and we will be happy to help you. We offer a very competitive line of auto insurance, homeowners insurance, renters insurance and commercial insurance for all of Massachusetts, Rhode Island and New Hampshire residents and businesses.
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You’ve just dropped off your young adult at his or her new home away from home for the next 9 months. Unfortunately, the hard part is not quite over because in the next few weeks both you and your son or daughter will be going through a time of transitioning. But rest assured it will get easier as time goes on. Here are a few tips as you go through these new experiences and changes.
The top priority is to communicate trust with your son or daughter. You’ve done your job bringing up your children, now it’s time to see that what you’ve instilled in them, that they will make good choices on their own. Talk to him or her about your values and your expectations. Make it clear that the lines of communication are wide open regardless of the miles between you and whatever challenges that may come, that you are there for him or her to talk when you are needed. [Read more...]
Now that you finally own your own jetski or PWC (Personal Water Craft), there is so much that you need to know before you get in the water to ride. It’s just like driving a vehicle on the road because there are rules and signs that need to be obeyed, even in the water. However, operating a PWC is different from driving a car or a motorcycle for there are no lanes or lines on the water to guide you on where and how to go. That is why knowing the basic rules of the road and the navigational aids are so important.
Let’s give you some basic skills to get you started.
There is so much to do in the month of May around the house and yard that it could keep a person busy well into June. But, be sure to put the watercraft on that list as well, so when the warmer weather comes around there isn’t a problem that is discovered and the boat ends up out of commission for the entire summer. Some marinas will offer a commissioning service to check a boat’s systems and get it ready for the water. But if you feel comfortable doing it yourself, it should only take a few hours of your time and save you quite a bit of money.
Here is a list of things that should be checked:
Once all the systems are checked, you will have ample time to address any repairs or replacements that are needed before summer rolls in. By that time, you will be able to enjoy the ride and the fishing….
Here at Donald J. Medeiros Insurance Agency our goal is to try to help our viewers by suggesting solutions about different topics of interest, as well as insurance needs. But, by no means can we address each reader’s specific concerns. So, we strongly advise to check with an expert on the subject area discussed to address your specific needs. However, you can always contact us for any insurance questions or concerns you may have and we will be happy to help you. We are able to offer a complete line of auto insurance, homeowners insurance and marine insurance products for all of Massachusetts, Rhode Island and New Hampshire.
All it takes is small improvements to make a world of difference in the look and feel of your home.
With spring here and the snow finally gone, it is a perfect time to start making plans for your all the DIY jobs that you want to tackle in these next few months. Consider starting with the basic maintenance of your home, that way you will know which improvements are a priority. Here’s a list of ideas of where to start.
Gutters – This is the easiest and the usually the least expensive task. Simply cleaning them up and removing any debris is all that is needed. Make sure all the drainage areas are unblocked and the downspouts are clean and pointing 2 – 2 ½ feet away from your foundation. This can help avoid any water from entering the home and causing damage.
Roof – Check your roof thoroughly for any missing or upturned shingles, for this can eventually cause leaks and therefore damage throughout your home. So, take extra time to see if any shingles are lifting. If your roof is in good shape with the exception of a few shingles, here is a helpful DIY link on how to replace them. Otherwise, if there is considerable lifting in large areas, you will need to contact a roofing contractor for further assistance. [Read more...]
Donald J. Medeiros Insurance Agency Provides Auto, Homeowners, Business, Life, Disability, and Long Term Care Insurance to All of Massachusetts, Including Rhode Island and New Hampshire.
Donald J. Medeiros Insurance Agency Is Compliant With The 201 CMR 17.00: Standards For The Protection Of Personal Information Of Residents Of The Commonwealth.