A Step-By-Step Guide in case of an Auto Accident

1. Inspect yourself for injuries and the well-being of your travelers. Call 911 right away if anyone is hurt.
2. Move to a safe place. If possible, move to the side of the roadway or a parking lot. If your vehicle can be driven and is causing a hazard where it is, pull it to the side of the road.
3. Call 911. Calling the police is essential. It makes no difference if the accident is a minor fender-bender or a major collision. The officer who arrives will document the scene and complete an accident report.
4. Wait For Help. Switch off your engine, turn on your hazard lights and utilize road flares (if you have them) to alert other vehicles to slow down.
5. Exchange Information. Share and exchange contact information and insurance data with the other drivers involved in the incident. Quick Tip:  the easiest way to collect most of this information is to take a picture with your cell phone. Following is the information you should gather and share.

• Full name and contact information
• Insurance company and policy number
• Driver's license and license plate number
• Type, color, and model of the vehicle
• Location of the accident
• Date and time of the mishap

6. Carefully take a look at the damage to other vehicles (take photos if you can).
7. Do not admit fault. When submitting an insurance claim, the adjuster reviewing the claim will determine who's at fault based on an evaluation of the vehicles/property harmed and all supporting documentation collected from the accident scene.
8. Only go over the information about the accident with the police or with your insurance agent.
9. Alert Paschall Insurance Group right away.
10. If after hours, call your insurance company. Find the claim telephone number of your insurance company.

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For your ready access, following are the claims and payment contact information for the insurance companies that Paschall Insurance Group represents. If your insurance carrier is not listed, please contact Paschall Insurance Group directly for help with your policy.

Acuity Insurance

American Modern Insurance

American Strategic Insurance  (ASI)

Centauri Insurance

CNA Insurance

Foremost Insurance Group

Germania Insurance Company

Hagerty

The Hartford

Hiscox

Infinity

Kemper

Liberty Mutual

Markel

Mercury Insurance

MetLife

MiniCo Insurance

National Lloyds

Philadelphia Insurance

Progressive

RVOS Insurance

Safeco Insurance

Travelers

Texas Mutual

Utica National Insurance Group

Wellington

Zurich

 

Business Liability Insurance Quote

Business Liability Insurance is used to protect against loss if the business is determined to be liable or negligent for property damage or bodily injury to a third party. When a claim is filed against a business, the legal defense fees, damages, and settlement charges are usually paid by the insuring company.

What does a General Liability Insurance policy do?

It helps cover the costs of claims made against your business for the following type of things.

Third-Party Bodily Injury:  If someone is injured on your business property, they can make a bodily injury claim against your business. For example, a customer trips over the base of a display case, falls, and breaks their wrist. Help with covering the costs of the bodily injury claim for the accident can be provided by the general liability insurance policy.

Third-Party Property Damage: You may be subject to a property damage claim if you or someone on your payroll damages the property of a third party. The costs of property damage claims against your business can be covered by general liability insurance. For example, your employee driving a forklift on your property accidentally damages a neighboring office building. If that neighboring business files a property damage claim against your business, your general liability insurance can assist in covering the settlement costs.

Advertising Injury: Your general liability insurance policy can help with the costs of a claim made against your business due to advertising practices. For example, another business in your industry claims that your advertising looks too similar to theirs. Your general liability insurance is there to assist in covering the claim costs that your business incurs.

Reputation Harm: Reputation harm happens when another business claims that your business harmed its reputation in some manner. For example, for a local news article, you are asked to comment on your competition. A competitor business reads the article and files a claim of slander against your business. Your general liability insurance coverage is there to help alleviate the costs of slander and libel claims against your business.

Additional Insured (optional): It automatically covers any person or organization as additional insured where required by contract.

 

General Liability Insurance forms the bedrock of your small business protection.  Paschall Insurance Group helps you build that solid foundation for all of your business insurance needs.

Business Liability Insurance Quote