The Documents You Need in Your Car

Though it is not advisable to keep important documents in a visible place in your car (for example, outside your glove compartment or tucked in the driver-side visor), it is essential that you keep certain documents with you when you are driving at all times. It may be more convenient keeping your car documents in a purse or briefcase that you have with you every time you drive, or create a hidden compartment in the car seat.

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Here is what you need:

• Policy information: Make sure that all the details of what your policy covers is included. Official information is good, but the most important thing is that you understand the details in the moment of an emergency. Bring notes if you like, but do also have your auto insurance contract.
• Agent contact information: The contact number of the agent who assisted you in purchasing your car insurance policy is a great thing to have. The personal relationship you have with him or her will have a calming effect when you are stressed. In case you need to contact your agency during off hours, make sure you also have the customer service number, which will give you access to assistance any time of day. Make sure you have your policy number in front of you to speed up the process.
• Instructions on how to make a claim and get immediate help: Though it may seem clear and simple to you now, when you are involved in a car accident these details may slip your mind in the stress of the moment. You should first call the police. Make sure to get insurance information from the other driver, and call your own insurance company. Write these steps out for yourself so that you have something concrete in your hands to look at. It will help alleviate your stress.

If you have insurance coverage with different companies, for example, medical coverage for passengers through your health insurance company and property damage liability through an auto insurance company, be sure to keep the information for each policy separated. Paper clip or staple each group of documents together so they will be easily accessible in the event that you are overwhelmed in a vehicular incident.

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