Minibus Insurance Advice - Information to Collect After an Accident

Nobody wants to be in accident but sometimes it is unavoidable. When driving a minibus refinance mortgage calculator first concern should be for your passengers' safety.

Assess your passengers. If any are injured do not move them unless there is an immediate risk from other vehicles or fire. If car insurance quotes minibus must be vacated move the passengers to a safe location as far from the vehicle as possible. Be aware of approaching traffic when exiting the minibus.

If there are any injuries or the road has been blocked or damaged by the accident, call the emergency services immediately.

To help with any minibus insurance or legal claims that might follow collect the following information:

1) Driver details
Collect the names, addresses and telephone numbers of the other drivers involved in the accident. Try to obtain the name of their insurance company and policy number. If you have any suspicions that they may not be telling the truth, it is worth noting a short description of the driver and any distinguishing features.

It is the generic Prozac that drivers exchange details after an accident. If a driver fails to aaa car insurance quote or refuses to give their details, notify the police immediately.

It is advisable to keep details of your minibus insurance in your vehicle to give to the other drivers.

2) Vehicle details
Gather as much information about the vehicles involved as possible. This will include registration, make, model, colour and any modifications that have been made to the vehicles.

3) Time and date of the incident

4) Driving conditions
Note what the weather was at the time of the accident. Include information about visibility and road condition.

If it was dark record details of the lighting conditions including street lighting.

5) Damage
Make a detailed record of the damage to your minibus and to the other vehicles involved.

6) Injuries
Gather information about the injuries to your minibus passengers and anyone other persons involved in the accident. This may include pedestrians.

If a dog or farm animal has been injured you are required by law to report the incident to the police. This does not apply to cats or wild animals but check the animal is not injured or suffering.

7) Emergency Services
Record any details of the emergency services attending the scene. Request an accident report number from the attending police services.

8) Accident Scene
Take a photograph of the accident scene and draw a sketch of the vehicles positioning prior to and after the incident.

Make a note of the road type and any significant road markings, signs or obstructions such as a skip.

Record the estimated speed of the vehicles involved and whether headlights or indicators were being used.

You may not be able to record all this information at the time of the accident. In this case return to the scene as soon as possible, while the incident is still fresh in your memory.

Being involved in an accident is a stressful situation. But by staying calm and recording as much information as possible, it will assist your minibus insurance provider with any claims or legal disputes that may follow. To gather this information it is helpful to carry a pen, paper and disposable camera with you in your minibus.

Remember to inform your minibus insurance provider as soon as possible. Most good providers will have an advisor available 24 hours a day, 365 days a year to assist you with your claim.

The Minibus Club is a specialist minibus insurance provider and has offered UK minibusclub.co.ukminibus insurance quotes since 1997. Visit their website to get a free quote for justcharityinsurance.co.ukcharity minibus insurance or call their hotline on 0845 609 0323. See how much you could save on your minibus insurance.

Credit Cards & Late Payments - New Rules

The financial crisis and bank failures have resulted in lenders implementing new rules that many consumers won't be too pleased with. Here is a bit about how things have already changed - and you can expect more where that came from.

More credit collectors will be after you.

While cheap Viagra unemployment rate is expected to rise overall, that won't be true for credit collectors. Lenders like Citigroup are hiring in droves to keep consumers on their toes. They don't want you getting too far behind in cost u less auto insurance so they want a workforce to keep that from happening.

Late payments will be unacceptable.

For years, you could squeak by missing a payment here and there and just catch up the following month. No more! Lenders like Bank of America are no going to be in touch with you the minute you're late - to spur you into repaying your debt.

Lenders will wheel and deal with you more.

Not all of the news is grim. Some banks like Citibank have done something that will please credit consumers. They will match payments you make that are above the minimum amount due up to $550.

But you have to agree to pay off a sizable amount of your balance over the following months. The catch? They don't want you using your card during this payoff period and they will likely lower your credit limit, too.

American Express is dealing, too - with breaks on interest rates, payments, or fees you've incurred.

They'll be watching your spending patterns.

If it looks like you're out on a spending frenzy and still only making minimum payments, you could have your credit limit lowered. If you've been paying great all along and suddenly are only paying the minimum amount due, it will inexpensive auto insurance a red flag. They're monitoring all of this.

Having good credit is more important now annuity loan ever before. If you're in the Good ranking, that's not going to be "good" enough! Visit debtcredittipsdebtcredittips to see how you can clean your credit score high enough for the new economic rules.