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Scranton, Pennsylvania, Personal Injury Law Blog

What does your declarations page say?

If you've ever had a conversation with one of your Pennsylvania friends about automobile insurance, you're likely familiar with a common misconception regarding this topic. Either you or someone you know might be among many who mistakenly believe car insurance follows drivers, when, in fact, this is not exactly so. It's more correct to say that an insurance policy follows a particular vehicle, not the people covered under the policy, per se. Sound confusing? That's okay, because it is rather complicated.

An insurance "policy" is a compilation of documents pertaining to general aspects of an insurance plan. One page, in particular, lists what is known as "declarations," which, essentially are specific details regarding your individual policy. This is a very important part of the collection of documents because it's where you find an itemization of exactly what is covered, for how much and for how long.

Be proactive after a car accident

You may have seen the lights in your rearview mirror. You thought that they were a little close to your bumper and may have tapped a warning with your brakes. Unfortunately, your flashing lights did nothing to increase the distance between your car and the tailgater's vehicle, and traffic may have prevented you from removing yourself from the driver's path. As you had been observing the car's proximity, you may not have been surprised by the resulting collision.

If you want the accident to be covered by insurance, you will need to be as diligent after the accident as you were before. Whether it resulted in a scratch, ding or major damage to your car, a car accident should trigger the same series of preventative measures to ensure that you will not have to go out of pocket to pay for the injuries suffered. 

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Haggerty Hinton & Cosgrove LLP 203 Franklin Ave Scranton, PA 18503 Phone: 570-904-8259 Fax: 570-343-9731 Scranton Law Office Map

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