Use the index below to go directly to a particular section on this page:
Call your agent or insurance company about the accident while details are still fresh in your mind.
To take the stress out of filing a claim after an accident, the NAIC created WRECKCHECK, a free smartphone app that walks you through the process of gathering information following an accident. You can then email the report directly to your insurance agent. WRECKCHECK is available on iOS and Android devices. There is also a PDF version available for download.
Insuring a teen driver is often an additional cost for many parents. Many companies consider drivers under the age of 25 a higher risk, and this often translates into higher premiums.
Teen Driver Facts - According to the American Academy of Pediatrics, one-third of deaths of people ages 16 to 20 are due to motor-vehicle accidents. That’s more than 5,000 teens a year. Faced with those statistics, it’s important to view teen driving as a privilege, not a right.
Lay the Ground Rules - Insuring a teen driver will result in additional costs for you, no matter which insurance policy you choose. However, how well your teen respects the privilege of driving is a factor you can control.
Lay some ground rules for safe driving before your teen ever gets in the driver’s seat. Set up driving rules, including:
You may also want to consider setting up a driving contract with your teen. The contract should clearly list the teen’s duties and responsibilities when driving and caring for the vehicle and should be signed by both of you.
It pays to shop around before buying insurance. Different companies can offer noticeably different premiums. For example, if your child is an honor roll student, passed a driver’s education course or has a job, some companies may offer a reduced premium. Some discounts include:
Regularly review your policy to make sure the basis for your premium is as accurate as possible. Here are some things that can affect your premium:
For more information, contact MID CONSUMER SERVICES - 1-800-562-2957
During deer season, which generally runs from October through December, there is a dramatic increase in the movement of the deer population. Many of these deer find their way onto highways and into suburban neighborhoods. As a result, more deer-vehicle collisions occur in this period than at any other time of year, so drivers need to be especially cautious.
In the event your vehicle strikes a deer, try to avoid going near or touching the animal. A frightened and wounded deer can hurt you or further injure itself, warned the I.I.I. If the deer is blocking the roadway and poses a danger to other motorists, you should call the police immediately.
Contact your insurance agent or company representative as quickly as possible to report any damage to your car. Collision with a deer or other animals is covered under the comprehensive portion of your automobile policy.
If we can be of assistance, please see the Request Assistance Page for information on how to contact us.