Auto Accidents - What to Do If You Hit a Deer

ByPeter Vednik

Being involved in auto accidents with a deer is actually a serious motor vehicle collision. For individuals who have not been involved in an accident, there are a number of things that you have to do subsequent to the collision.

For persons who have literally run into a deer in an automobile accident, the state of affairs becomes grave very quickly for both the individual or individuals in the car and the deer. Despite the fact that they are seen as gentle creatures, a deer can cause colossal damage to a motor vehicle of any size as well as cause injury to any passengers that are in the car when the impact is made.

However, the action that is taken by drivers prior to and following auto accidents involving a deer can make an immense difference in the result of the encounter. Keep an attentive eye out for deer and know what action to take if you hit one will assist you in staying safe. Having non owners auto insurance will also help in such a situation.

Minimizing Damage Caused By An Accident Involving A Deer

In order to avoid auto accidents with a deer, drivers are advised by 3xA not to swerve to keep away from hitting the deer. This is important in view of the fact that swerving could cause the driver to lose total control of the motor vehicle and collide with a telephone pole, another automobile or any other structure that could cause considerable injury and damage to passengers, driver and the car. As an alternative, drivers are supposed to brake and try their best to remain on the road and in their line of traffic.

However, in the event that hitting a deer cannot be avoided, 3xA advises that you continue applying your brakes until the very last second prior to the impact once you recognize that the collision is unavoidable. At that last possible moment prior to impact, drivers are supposed to get off the brakes. This will cause the front of the car to lift upon impact and result in the deer passing under the car, as opposed to landing on the windshield or the front of the car, which could result in the shattering of the windshield and even further increasing the severity and chance of injuries to any individual who is in the car.

Subsequent to the impact, drivers are supposed to turn their hazard lights on and contact the state highway patrol or the local police. If no injury has been caused to the driver and he or she chooses to come out of the car and assess the damage, he or she should not lay a hand on the deer or try to move it.

Peter Vednik is an expert about car insurance. Find more info about Top 10 Auto Insurance Companies and SR22 Non Owner Insurance Quotes.

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Insurance: Car-Auto
Peter Vednik

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesWhat Is It About Teens and Motor Vehicle Accidents?Protect Yourself After Being in a Car AccidentTop Accident Avoidance TipsCar Accident - How to Seek Legal Help?Hiring A Car Accident LawyerAuto Accidents - What You Need to KnowProtect Yourself After A Car AccidentDon't Let Driver Exclusions Leave Your Insured BarePedestrian AccidentsSimple Steps To Remember When Shopping For Auto InsuranceRecent Articles17 Year Old Driver InsuranceEssential Things To Note Whenever You Make A Motor Insurance Coverage ClaimWhy Modern Automobile Makers Are Rediscovering ColorExamining How Your Credit Can Affect Your Insurance CoverageImportant Information About Car Accidents And Your Insurance CoverageShopping for a New Car? Consider the Insurance Cost Before BuyingHow to Change to a New Car Insurance CompanyCompetitive Performance and Modified Car InsuranceEight Simple Ways to Reduce the Cost of Car Insurance for Young DriversTips For Making Best Choices For Insurance RenewalSubmitted On March 13, 2012. Viewed 4 times. Word count: 456.

MLA Style Citation:
Vednik, Peter".".13 Mar. 2012EzineArticles.com.17 Mar. 2012 .APA Style Citation:
Vednik, P. (2012, March 13). . Retrieved March 17, 2012, from http://ezinearticles.com/?Auto-­Accidents-­-­-­What-­to-­Do-­If-­You-­Hit-­a-­Deer&id=6936565Chicago Style Citation:
Vednik, Peter "." EzineArticles.com. http://ezinearticles.com/?Auto-­Accidents-­-­-­What-­to-­Do-­If-­You-­Hit-­a-­Deer&id=6936565EzineArticles.com© 2012 EzineArticles.com
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Competitive Performance and Modified Car Insurance

ByAnthony Saxon

Any change to a car can be considered as a modification so always try to contact your insurer in advance to minimise the risk of invalidating your policy or any expensive hikes in the cost of insurance.

Why Do Modifications Attract Higher Premiums?

Car Modifications tend to have two effects; either they make the car more valuable, or they make it more likely to be involved in an accident. Performance enhancing changes to the engine can make the car faster and for this reason insurers see it as a much higher risk.

Simple changes like a re-spray can increase the value of the car and for that reason may have an effect on the premiums. In many cases modifications will affect both performance and value of the car - placing it an even higher category for insurance purposes.

What can I do to cut the costs?

The first thing to consider is what type of modifications can help to reduce the cost of your insurance. Alarms and tracking devices will all be viewed as positive modifications by insurers. Any factor that can increase security and reduce the likelihood of theft will help - even something as simple as garage storage, so consider how you can make the most of these savings to offset any increase for modified car insurance.

Car insurance for a modified vehicle will also be affected by your age, driving record and all the other factors that insurers take into account. Age is one of the biggest factors in 'risk' assessments of insurers. Mileage can also make a big difference. For younger drivers 'Pay how you drive' insurance can offer some good savings - if you are a good driver at least. Limiting the use of the modified car to recreational use can also save money.

If the car is used every day and is parked in public while you are at work, insurers will consider it is likely to be at a higher risk of theft than if it was parked safely at home during the working week. This may seem like a small factor, but financially can make a big difference.

Where to Shop

Not all insurers are equal! Shop around and try a few different comparison sites along with specialist modified car insurance and performance car insurance sites. Specialists tend to take into account that your modified car is your pride and joy and that you are likely to be as concerned about its welfare as they are.

Comparison sites can offer the best range of quotes and can often help you to find surprising savings.

Anthony Saxon is financial content writer currenlty working in the insurance industry for http://www.tiger.co.uk. Tiger is one of the leading modified car insurance comparison sites in the UK and our focus is to find the right insurance policy for the right price. You can compare over 140 of our insurance partners to find the best deal and save money.

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Insurance: Car-Auto
Anthony Saxon

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesTypes of Car Modifications and The Cost of InsuranceThe Fine Art of Modified Car InsuranceHow to Cut the Cost of Car InsuranceTwelve Car Insurance Money Saving Tips For Much Cheaper PremiumsJapanese Import Car Insurance - 5 Money Saving TipsCar Insurance - Finding Specialist Insurance For WomenUnderstanding CPT Code 28510 - Billing for Fracture Care Follow-UpsForces and Trends in BusinessHuman Resource Information System - HRISRecent Articles17 Year Old Driver InsuranceEssential Things To Note Whenever You Make A Motor Insurance Coverage ClaimWhy Modern Automobile Makers Are Rediscovering ColorExamining How Your Credit Can Affect Your Insurance CoverageImportant Information About Car Accidents And Your Insurance CoverageShopping for a New Car? Consider the Insurance Cost Before BuyingHow to Change to a New Car Insurance CompanyAuto Accidents - What to Do If You Hit a DeerEight Simple Ways to Reduce the Cost of Car Insurance for Young DriversTips For Making Best Choices For Insurance RenewalSubmitted On March 13, 2012. Viewed 0 times. Word count: 432.

MLA Style Citation:
Saxon, Anthony".".13 Mar. 2012EzineArticles.com.17 Mar. 2012 .APA Style Citation:
Saxon, A. (2012, March 13). . Retrieved March 17, 2012, from http://ezinearticles.com/?Competitive-­Performance-­and-­Modified-­Car-­Insurance&id=6936915Chicago Style Citation:
Saxon, Anthony "." EzineArticles.com. http://ezinearticles.com/?Competitive-­Performance-­and-­Modified-­Car-­Insurance&id=6936915EzineArticles.com© 2012 EzineArticles.com
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How to Change to a New Car Insurance Company

ByRobert B. Lawrence

There are many important steps to consider when switching your car insurance to a new insurance company. You should take your time and make a good sound decision based on your research. Your first step will be to obtain cost comparisons/quotes from potential new insurance companies. Whether you contact a local agent or inquire directly through a company website to obtain the quote, be upfront and honest with the information you provide. This will ensure an accurate rate and provide assurance that if a claim arises you'll be covered.

Try to obtain a quote with apples to apples coverage so you can easily understand a savings with a new company. After a comparison is done, ask for guidance from the agent or company to recommend any coverage which they think should be increase, omitted or added based on your particular situation. Your situation may have changed since your last renewal so it's always a smart idea to review your policy with the agent or company periodically.

Once your decision is made, you will need meet with the new agent or discuss info over the phone, deliver payment and provide some prior policy information. This information is needed in order to cancel the prior policy. The new company or agent will send a cancellation request, with your signature to your prior company and inform them of the exact cancellation date. Be sure the dates coincide so there is no lapse in coverage. Don't ever cancel a policy before the new policy takes effect. This will surely result in fines and suspensions from your local department of motor vehicles. When you old policy is cancelled, any unused premium will be prorated and returned directly to you via check.

Reasons such as why to switch are as important as when to switch. Your renewal date notice usually gives you up to 30 days to review your current policy and look around to compare other companies. Also, take into consideration your driving record. If you have any infractions against your record and they are due to clear before your renewal date, switching after they clear can save you hundreds. For example: your current policy runs from June 15-December 15, your infraction clears on July 31st, switching to a new company on August 1st allows them to quote you with a clean driving record whereas your current policy won't update your discount until your renewal date.

Your decision to make the jump to a new company should not be based on price alone however. Just remember if you're picking a doctor you wouldn't pick the cheapest one on the market. One key factor to research is the financial ranking of insurance companies. These rankings can be easily found online and should be checked to make sure you're selecting a reputable company with the financial means to pay claims. States also have consumer complaint rankings for companies and it would be a good idea to check these for the prospective company as well.

Shopping around for a better rate is a great practice but shouldn't be done annually. Building a rapport and track record with a company adds value to your business. Being a loyal customer sometimes affords you benefits with your current company such as retention credits, accident forgiveness and vanishing deductibles. Be sure to discuss discounts with your current agent or company to ensure you're receiving all the discounts available to you.

Rob Lawrence provides insurance resources as a part of the insurance quote service at http://www.insurancelevel.com.

Clkick here to get "cheap insurance quotes" that will provide you with a comparison on your insurance from top companies who are competing to earn your business.

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Insurance: Car-Auto
Robert B. Lawrence

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesInsurance Agent Reveals His Secrets to Huge Savings on Auto InsuranceAuto Insurance Agencies - What is the Difference Between the Many Auto Insurance Agencies?Auto Insurance Fronting - Is This a Way of Getting Cheap Auto Insurance For Young Drivers?High Risk Auto Insurance Company Advice - What is the Best High Risk Auto Insurance Company?Auto Insurance - 2 Things To Watch Out For When Getting Auto InsuranceCheap Car Insurance in California - How You Can Find Cheap California Auto Insurance RatesNew Hampshire Car Insurance Guide - How to Find the Best New Hampshire Auto InsuranceColorado High Risk Car Insurance - 3 Ways to Find Cheap Colorado High Risk Auto Insurance RatesAffordable Auto Insurance - Tips For Finding the Best Online Rates in Auto InsuranceFree Automobile Insurance Quote - The 5 Secret Tips To Get Cheap Auto Insurance QuotesRecent Articles17 Year Old Driver InsuranceEssential Things To Note Whenever You Make A Motor Insurance Coverage ClaimWhy Modern Automobile Makers Are Rediscovering ColorExamining How Your Credit Can Affect Your Insurance CoverageImportant Information About Car Accidents And Your Insurance CoverageShopping for a New Car? Consider the Insurance Cost Before BuyingCompetitive Performance and Modified Car InsuranceAuto Accidents - What to Do If You Hit a DeerEight Simple Ways to Reduce the Cost of Car Insurance for Young DriversTips For Making Best Choices For Insurance RenewalSubmitted On March 13, 2012. Viewed 3 times. Word count: 569.

MLA Style Citation:
Lawrence, Robert B.".".13 Mar. 2012EzineArticles.com.17 Mar. 2012 .APA Style Citation:
Lawrence, R. B. (2012, March 13). . Retrieved March 17, 2012, from http://ezinearticles.com/?How-­to-­Change-­to-­a-­New-­Car-­Insurance-­Company&id=6938034Chicago Style Citation:
Lawrence, Robert B. "." EzineArticles.com. http://ezinearticles.com/?How-­to-­Change-­to-­a-­New-­Car-­Insurance-­Company&id=6938034EzineArticles.com© 2012 EzineArticles.com
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