Your responsibilities after you have an accident are proscribed both by state law and by your insurance contract. Obviously, the first thing you should do is be sure everyone is all right and call an ambulance if needed. Second, for most accidents in most states, the police should be notified. Third, give the other driver(s) involved your name, address, telephone number, and the name of your insurance company and/or your insurance agent. Get this same information from the other driver(s). Fourth, as soon as possible, contact either your insurance agent or your insurance company to notify them that you have been in an accident. Finally, there are conditions in the insurance contract you must satisfy to receive compensation from your insurer. For example, you must cooperate with your insurer during any investigation during the claims settlement process. Not completing any of these actions can result in non-payment by your insurance company for losses that otherwise would have been covered.

THE EASIEST WAY IS TO CALL BLACKSHEEP INSURANCE SERVICES TO SHOP AROUND FOR YOU. WE WILL APPLY THE APLICABLE DISCOUNTS. ALSO, FEEL FREE TO CALL US FOR A COVERAGE ASSESSMENT

ALOT OF CARRIERS HAVE CHANGED THEIR GUIDELINES REGARDING THIS COVERAGE. MOST CARRIERS WILL ONLY COVER THE RENTAL VEHICLE IF YOUR VEHICLE IS IN THE SHOP BEING REPAIRED & THE RENTAL CAR IS A TEMPORARY REPLACEMENT VEHICLE. THE BEST WAY TO FIND OUT WHAT RENTAL COVERAGE YOU HAVE UNDER YOUR POLICY IS BY CALLING YOUR INSURANCE COMPANY/AGENT.

WITH A PERMISSIVE USE POLICY, WHENEVER YOU KNOWINGLY LOAN YOUR CAR TO A FRIEND OR ASSOCIATE & THEY DO NOT RESIDE IN YOUR HOUSEHOLD, HE OR SHE WILL BE COVERED. SOME CARRIERS HAVE AN AGE STIPULATION, SUCH AS THE DRIVER MUST BE 25 OR OLDER IN ORDER TO BE COVERED. IN FACT, EVEN IF YOU DO NOT GIVE EXPLICIT PERMISSION EACH TIME A PERSON BORROWS YOUR CAR, SOMEONE IS STILL COVERED UNDER YOUR POLICY AS LONG AS HE OR SHE HAD REASONALBE BELIEF THAT YOU WOULD HAVE GIVEN PERMISSION TO BORROW THE CAR.

****ALSO, NOT IF YOU HAVE A NAMED OPERATOR POLICY:
NO ONE IS COVERED UNLESS THEY ARE LISTED ON THE POLICY AS A DRIVER

IN MOST CASES A SEPARATE MOTORCYCLE POLICY IS NECESSARY WHICH IS FAIRLY INEXPENSIVE. CONTACT BLACK SHEEP INSURANCE SERVICES FOR A FREE QUOTE.

IN SOME CASES YOU CAN ADD A MICELLANEOUS-TYPE ENDORSEMENT TO YOUR EXISTING AUTO INSURANCE POLICY. THIS ENDORSEMENT WILL ALSO, COVER MOPEDS, MOTORHOMES, DUNE BUGGIES AND OR MOTORIZED VEHICLES.

Things you should consider when purchasing automobile insurance include: Decide how much liability coverage you want to carry. This is highly subjective. The liability levels you have on your other policies can serve as a guideline. Consult a financial professional if you need more advice. Determine which optional coverage you will need to feel protected. For example, do you want the optional physical damage coverage in Part D, or is the market value of your car too low to warrant purchasing them? Once you have decided what you want, you can now choose from which type of company you want to buy a policy. Decide whether you want an insurance agent to assist you in your decisions or if you wish to buy the insurance directly from a company that sells insurance over the phone or through the mail.