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Traffic TicketInsurance Etiquette is important in life, but it might not be something you have ever thought about. I don't mean "If you plan to discuss your insurance claims with your friends without offending them, you may need the proper etiquette," but more like "How to act when an accident happens" and such. Although it still may not be proper to ask your friends what happened or who's fault, it was in some circumstances — as they may not want to explain how or why the drove their car through the garage door, or tell you that their car rolled into traffic from the 7-Eleven parking lot because they forgot put the car into a parking gear and to set the emergency brake while they ran in to get a Slurpee. (True Story, from my daughter while driving my car. Luckily everyone managed to stop in time not to hit it). Here are 6 more tips for using tact and good manners when discussing insurance:
  1. Be diplomatic when asking your relatives about their life insurance. It is good to know what is going on with this as millions of dollars goes unclaimed every year by relatives who did not know they were the beneficiaries on a life insurance plan. However, you must be diplomatic and avoid saying you need it to put a swimming pool in the back yard because your doctor told you to start water aerobics. In most circumstances, the policyholder will want you to know you are the beneficiary, but you need to also know how to find the policy information after they are gone.
  2. Don't lose your temper after an auto accident. Neither of you did it on purpose, Probably (although I have had a Towanda flashback every once in a while from the Fried Green Tomato movie). It may make it more difficult to get the other person's driver's license and insurance info if you have lost your temper. Avoid using words like "You bozo", or "You have the driving skills of a juvenile sponge", or "Your mother wears combat boots." You get the idea.
  3. Exercise restraint when taking photographs. Sure, they may help with the police report or insurance claim, but if the person is bleeding out in front of you, or wondering about dazed and confused, you may want to get them help before your zeal for documentation kicks in.
  4. If you change beneficiaries on your life policies, make sure you tell the person. It is not nice to surprise your spouse that they are not the beneficiaries after you are not there to deal with it. While I am on this subject, If you are divorced, remarried or have had other relational changes, check out the beneficiaries on your life coverage. There have been many surprises when the ex gets the death benefit, instead of the children or current spouse.
  5. During an automobile accident, never say you are sorry. I know this is popular nowadays, as it is supposed to demonstrate some sort of moral superiority. Still, these words may come back to haunt you if there is a trial later. Saying "Sorry" could possibly be used against you as you admitting fault in the accident.
  6. Own up to damaging the car you hit in the parking lot. Leave your contact info if they are not around. You will sleep better.
With that said, join me in spirit for a Guinness and a few chicken wings during the basketball game.

*****
The road can be a dangerous place. Make sure you're protected with the right policy. Call Colgrove Financial at (480) 830-2595 for more information on Arizona auto insurance.
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