Planning for a car accident is not a lot of fun, but it could keep you safe. Before stepping into your vehicle today consider if you travel with the essential emergency tools that could keep yourself well in case of a car crash. Here’s a basic emergency car kit list:
Basic Emergency Preparedness Kit
* cell phone
* disposable camera
* pen and paper
* medical information card – detailing insurance numbers, allergies and conditions that may require special attention if you are not conscious.
* contact names and numbers: emergency numbers and relatives contacts
* first aid kit
* small road cones, emergency flares
* Mylar blankets
After a flying truck wheel hit our car, I quickly discovered I was not fully prepared for a car crash. I didn’t have my cell phone, we would have loved some small road cones to set around our car to alert passing drivers of the accident, and a Mylar “space” blanket would have kept me warm. After the accident my body temperature dropped drastically and I got very cold waiting for the police to arrive.
There are many companies who put together “Road Assistance Kits” boasting several pieces and gadgets. Many of these kits are pricey and contain cheaply constructed tools so beware if you’re looking for an all-in-one safety solution. A better approach may be to purchase only the items you need (like booster cables, LED flashlights, and bandages) and spend a bit more for quality tools. The last thing you want is an essential tool to break when you need it.
1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
You’ll see this term a lot in auto insurance policies or if you ever have to file an auto insurance claim. That’s because most auto insurance coverage reimburses you only for the actual cash value of your car. Your car’s actual cash value is calculated by determining its original value, minus the amount your car has depreciated since you bought it.