When it comes to being involved in a vehicular accident, most drivers make the right choice — they call the police to file a report. However, there are some people who choose to leave the scene of an accident, also known as a hit-and-run. Not all people who leave the scene of an accident are bad people. In fact, some simply become too emotional and flee the scene without even realizing what they are doing. Still yet, though, no matter their reasons, they are still liable for paying any fines and fees that are applied to them. If the accident was their fault, they are also responsible for making sure the damage is paid for. 

It depends on your insurance policy as to whether or not it will provide you with benefits in the event that a person leaves the scene of an accident and is never caught. If you have collision coverage, then you shouldn’t have to worry about being compensated for vehicular damage if you’re involved in an accident, regardless of the driver at fault. This type of coverage usually comes with a deductible that you will have to pay before any insurance money is paid out to you.                                                                                                                              

There are also other types of coverage that you’ll want to consider, including uninsured motorist body injury benefits and uninsured motorist property damage benefits. To learn more about these types of coverage, including whether or not you’re already covered during hit-and-run accidents, contact a qualified agent at the Brock and Poole Insurance Agency today. Serving the Collierville, TN area, one of these agents can assess your needs and determine the coverage options that best suited for you. 

The days are getting shorter, and the leaves are changing colors. Before we know it, the winter will be here in Collierville, TN. Prepare your car for the inclement weather ahead — before it comes. Here are a few things you should do for your car before temperatures get down close to freezing.

Preparing Your Car for Winter

Winters in Collierville aren’t as harsh as those north of Tennessee, but they still can be rough on vehicles. You shouldn’t simply drive your car through them without at least considering equipping it for snow, ice and cold. Specifically, you might want to:

• install snow tires on your car
• put winter wipers on your car
• check your car’s defroster

Snow tires and winter wipers will be especially helpful if you have any plans to drive north this winter, such as for a business conference or to see family over the holidays.

Preparing Your Auto Insurance for Winter

You may also want to adjust your auto insurance before snow and ice make the roadways more slippery than they are now. Two particular coverages to consider are comprehensive and collision coverage. These are often optional, so you might not currently have them. If you don’t, adding them to your auto insurance policy will better protect your car throughout the winter, when it’s more likely to be in an accident.

If you don’t know whether you have comprehensive and collision coverage, contact us at Brock and Poole Insurance Agency. Our agents will be happy to review your auto insurance coverages with you, and they’ll help you adjust them for winter if they need to be changed. The easiest way to get in touch with our agents is through our website. Fill out a form and send us a message today.