Insurance Tips

How to Reduce Your Insurance Fees

What to Do in the Event of an Auto Accident

At the Scene of the Accident

1. Take care of anyone who is injured

• Call 911 for an ambulance.
• Do not move anyone with injuries unless it is necessary to get them away from fire or passing traffic.
• Do not move your car if there are injuries, fatalities, extensive damage or any fuel leaks. Turn off the engine and do not smoke or place flares near the car.

2. Report your accident to the police

• Call 911 and wait for the police to arrive,
• Police may ask you to tow your car to a police Collision Reporting Centre.

3. Record information

• Gather information of everyone involved in the accident: other drivers, passengers, witnesses, pedestrians, cyclists and anyone with injuries.

4. If your car is not drivable, call for a tow truck

• We recommend that you call Canadian Roadside and Recovery Inc. at 1-8770686-7777 (24 hours a day).
• Remember to remove all valuables from your car.

5. Getting you home

• Take your vehicle home with you if it is safe to drive.
• If your vehicle must be towed and you have coverage for “Transportation Replacement,” you may rent a car or take a taxi home (keep receipts). Check your policy or speak with your broker to confirm coverage.

After the Accident

1. Call your insurance broker for advice, information and to report your claim.
2. Call your family doctor if you’ve been injured but don’t require hospitalization.
3. Describe the Accident
4. Draw the vehicle when they collided and indicate”
   • Street names
   • Direction vehicles traveling
   • Show North with an arrow
   • Traffic lights or signs
   • One way direction, turning lanes
   • Skid marks

How to Reduce Your Insurance Fees

What can you do to help control your Insurance Premiums?

Automobile

1. Raise your deductible – Grant and Mingay brokers would be pleased to outline various options and savings.
2. If you own an older vehicle ( 8 years or older) drop Collision Coverage
3. Take advantage of discounts by insuring Home and Vehicles with companies that offer this.
4. Install an approved Anti-Theft Device in your vehicle- discuss your options with your Grant & Mingay broker.

Home

1. Raise your deductibles.
2. Install a monitored burglar alarm and sprinkler system.