Auto insurance will help when you are stuck by the side of the road

Nothing is quite as aggravating or – on occasion – as frightening as being stuck by the side of the road after an auto mishap. But, as the Memorial Insurance Agency serving Houston, TX would like to let you know, your auto insurance policy will be of great help in such a situation.

If you are stuck by the side of the road due to an accident involving another motorist, be sure to make certain the other person as well as you and your passengers are all right and, if necessary, call 911 for an ambulance.

Exchange insurance and other information with the other party and, if a patrol officer becomes involved, give as truthful an account as possible about the accident.

Contact your insurance agency. You will be given instructions about what to do, including summoning a tow truck and where to take your vehicle and yourself if that option is available.  This might be a place recommended by your insurance agency or a place of your own choosing.

If you have collision insurance, and for any kind of new model vehicle you should, then the cost of repairing your vehicle will be covered, minus the deductible and up to the cost of replacing your vehicle. If the cost of repair exceeds the cost of replacement you could pay the balance out of pocket or use the money as a down payment for a new car.

You should at least carry liability insurance. It is the law in every state of the union and will cover the costs of an accident incurred by the other party if you are judged to be at fault.

For questions about auto insurance feel free to contact the Memorial Insurance Agency serving Houston, TX.