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:

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.

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.

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.

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 you’ve 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

• driver’s 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.)

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

It’s 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, they’ll 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.

There are a couple of don’ts you might want to consider like don’t 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.

The Guaranteed Auto Prection (GAP) is a useful insurance that protects you from your new car’s loan. The gap insurance is simply a difference between what you repay value and your book value of new car so that you are able to disburse your deductibles if incase of any damage of your car.

Incase car gets damaged for some reasons like fire, flood, accident or theft, the insurance company place less value than its real value and the real value is always less as compare to the actual value repay on your loan.

The Guaranteed Auto Perfection (GAP) is get through deductible less financial deficit knows as GAP. The GAP insurance covers differences of what your car is book value and what you still repay on it. In many cases, the difference between what you repay and what your vehicle is worth is thousands of dollars.

If the GAP insurance obtained by insurance company under the individual auto policy then must have to deal with state insurance regulation agency for filling the premium. The premium is paid as complete auto insurance coverage.

In many instances this insurance will also pay the deductible on the primary insurance policy. The GAP policy offered at auto dealership at comparatively low cost add on that can be put into the car loan which provides coverage for the duration of the loan.

The car owners presume if their car is completely demolished they will get the complete amount. But it is not true, that’s why the car insurance company select the GAP insurance to get the physical damage.

Auto insurance is one of the biggest expenses students face, right up there with tuition and books. In fact, students can pay anywhere from $2,000 to $10,000 a year for auto insurance, depending on such factors as their …

* Age

* Gender

* Driving record

* Garage location

Fortunately, students can get cheap auto insurance. How? Read on to find out!

Be a Girl

Okay, you don’t have much control over this, but it’s a fact that insurance costs less for women under age 25 than for men under age 25. Men are statistically more prone to having accidents and therefore their insurance rates are higher.

Live Clean and Drive Safely

Do not drink or take drugs and then drive. A DWI or DUI will drive your insurance premium up dramatically, and keep your rate high for years to come. Also, keep your driving record clean by obeying speed limits and other driving laws.

Keep Up Your Grades

Most insurance companies offer discounts to students who maintain a B average or better. You’ll need to show your insurance agent proof of your grades to get this discount.

Buy a Sensible Car

Your dream car may be a Mustang, a Firebird, or a Camaro, but you’ll pay a lot more for your insurance with these types of “muscle” cars. Opt for a car that’s less expensive to repair and is less tempting for thieves. Also avoid cars with high horsepower, as insurance rates are higher on these cars.

Walk or Bicycle at School

If you can manage without a car while you’re at college, leave your car at home. You can adjust your policy so you’ll still be covered when you’re at home for vacations.

Increase Your Deductible

By increasing your deductible – the amount you pay toward a claim before your insurance company pays – you can save up to 40% on your car insurance premium.

Shop Around

Make sure you’re getting the best price on car insurance by doing some comparison shopping. Go to an insurance comparison website and enter your vehicle, driver, and insurance information. You’ll then receive auto insurance quotes from multiple A-rated companies and you can choose the one with the cheapest rate.

The best comparison sites offer tips on how to save money on your insurance, and even have an insurance expert on call so you can get answers to your insurance questions online or by phone. (See link below.)

Visit http://www.LowerRateQuotes.com or click on the following link to get cheap student auto insurance quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.