Auto accident checklist: Tips on what to do following a car accident

Hopefully you will never be involved in an auto accident or need to file an insurance claim. Even the most careful and skilled drivers, however, can easily find themselves in the middle of a crash. Would you know what to do? Knowledge of what to do after the car accident can help make the insurance claims process easier and smoother so that you are back on the road faster.
If you are in an auto accident:

1.Try to stay calm, stop your vehicle and check for injuries. The life and health of you, your passengers and the other people involved in the accident is far more important than the vehicle itself.

2.If required, call the police and let them know of the accident, your location, how many people are involved, whether there are injuries and the types of injuries.

3.You may wish to take reasonable steps to protect yourself, and your vehicle, from further damage. Where possible and if legal, move the autos to the side of the road and turn on your hazards as soon as it is safe. If you have flares, you may wish to use them to warn oncoming traffic and to prevent additional crashes.

4.Taking lots of notes is a good practice, like:

the date, time and location of the accident
how the accident occurred sometimes a drawing is worth a thousand words and can help enhance what youve noted
the type and location of damage to your car
the type and location of damage to the other cars or property involved
the names, addresses and contact information of all drivers and passengers involved in the accident
drivers license numbers and all the information on the licenses
insurance identifications including the name of the insurance company and policy number
the names, addresses and contact information of witnesses
the names and badge numbers of police officers or other first response personnel

(Being able to take notes is important so keep a pen and pad in your glove compartment, just in case.)

5.You may wish to ask the police officer when and where you can get a copy of the accident report. Theres a good chance youll need it when you submit your insurance claim to your insurer.

6.Its usually a good idea to call your insurance company right away and report the accident because the sooner they know about the crash the quicker they can start working to resolve your insurance claim. As well, theyll be able to explain the next steps, like where to have the car towed if necessary and arrange for an adjuster to come out and appraise the damage before any repair work is done.

7.There are a couple of donts you might want to consider like dont discuss the financial limits of your auto insurance policy and avoid discussing the responsibility for the accident or circumstances of the accident with anyone other than the police or a representative of your insurance company.

Auto accidents take a significant toll on everyone involved. But, if you stay calm, make safety your priority and follow the above tips, you will get through the ordeal of being in an accident and submitting an insurance claim.

It has often been said that bad things can happen to you even without your cooperation. That can also be said about jobs and careers. Shortage of available work, mass lay-off and retrenchments, reorganizations and mergers, in today fast pace anything can happen. When it comes, the experience can be devastating for many, made worse when savings are not enough, debts are high and payments are in arrears.

Being prepared is always the best way to cushion the effects of loosing income. Having insurance employment makes you continue to enjoy the benefits of income. Employment insurance can aid you on receiving maternity, sickness compassionate care services, provide support for a member of the family who is ill, caring for an infant, even fishing benefits and many more.

To apply for an employment insurance all you have to do is submit an application online. Employment insurance is paid even when the applicant will receive money when unemployed.

When applying for an employment insurance a “Record of Employment” will be required from you that you will have to get from your last employer or a proof of employment like pay slips, pay stubs and certification.

Other documents that you will need when you apply for an Insurance Employment will include:

Social insurance Number. If your SIN number starts with a 9, that means that you are an immigrant and will need to also supply your immigration status and work permit. You will have to supply a record of employment covering the past 52 weeks When claiming for medical and sickness benefit, a medical certificate will have to be furnished. When applying in person, prepare your drivers license, passport or a birth certificate. Furnish also complete bank information.

Checks or voided checks from your current personal account will be required, as payments will be made direct to that account. When applying for parental benefits, the Social Insurance number of the other parent will be required.

If you are applying for compassionate care benefit, a medical certificate has to be supplied. You will also have to provide your version of the facts surrounding the cause of your unemployment. Together with this is a statement of the total salary before deductions, including commissions and other income benefits, the total amount that you will receive including severance pay, vacation pay, pension etc.

Do not delay when applying for an employment insurance, delaying the application beyond four weeks can cause penalties or loss of benefits.

If you receive financial assistance form the social services while waiting to get the Insurance employment claims, you will have to reimburse the amount out of your employment insurance benefit.

If you are indisposed and can not apply for your employment insurance, an appointment representative can be assigned to do the application on your behalf,

After you have applied for your employment insurance, you will receive in your mail a benefit statement including an access code and the date for your first report. Having an access code does not yet mean that your claim has already been decided on. Together with this will be an instruction on how to complete your report.

If you have filed your report with all the required information satisfied, you will start receiving your employment insurance benefits 28 days after the filing.