Helpful Health Insurance Tips - Deductibles

Purpose of Health Insurance Deductibles

• Health insurance deductibles are a way to help offset the cost of health care.
• Health Insurance deductibles require the insured (the person who is covered under a health insurance policy) to pay a certain amount toward his own health coverage before the insurance company has to begin paying under the health insurance policy.
• The insurance company considers the amount of the health insurance deductible when determining how much the premiums for the health insurance coverage will be.
• The higher the deductible is, the lower the premiums are likely to be. 
• Deductibles -- it's an important feature the consumer has cost control over!

What TO do at the SCENE of an AUTO ACCIDENT

What TO do at the SCENE of an AUTO ACCIDENT:

1. STOP immediately, but do not obstruct traffic.
2. ASSIST injured. Have someone call police. Repeat after 5 minutes.
3. SECURE names, phone numbers, addresses of other drivers, witnesses, injured persons.
4. SECURE make, model, license numbers of all cars involved.
5. MAKE rough drawing of scene, showing position of cars and other details.
6. TAKE pictures.
7. DON'T hasitly accept claim settlement at scene of accident.
8. LET police or insurance adjuster determine fault.
9. REMAIN calm, courteous and consistent in your version of accident.
10. NOTIFY your insurance agent as soon as possible.

To be involved in an automobile accident is a very stressful situation; to know what TO DO can help mitigate the trauma and inconvenience associated with it.  SAFE TRAVELS!