If you’re ever involved in a car accident in Panama City Beach, FL and are pretty sure it was your fault, you will undoubtedly be stressed. If the other driver or pedestrian you hit was seriously injured, then your insurance may be maxed out. What does that mean? It means that the victim may opt to sue you for the remaining costs of their medical bills. So, what exactly happens if you’re sued after causing a wreck?

You Will Be Required to Go to Court

If you’re sued after causing a car wreck, you will be required to go to court. Be sure to inform your insurance company, who will provide an attorney to represent you. If you don’t wish to be represented by the assigned attorney, you can always hire your own. You will go to court, the victim will plead their case, and any possible witnesses will testify.

You May Be Ordered to Pay Additional Money Out of Pocket

You will be allowed to defend yourself and have your own witnesses testify on your behalf if there are any available. Once all testimony has been heard and the judge is ready to make a ruling, you should prepare yourself, as you could be ordered to pay additional money out of pocket. Your insurance company, whether it’s Hall Insurance or another agency, will only pay a certain amount to the victim, according to your plan, and you will be required to pay any excess. 

Hall Insurance Is Here For You

Being sued because of a car accident will undoubtedly cause a great deal of turmoil. However, the right insurance company will provide you with adequate legal counsel who can keep any out-of-pocket costs to a minimum. If you’re in Panama City Beach, FL, we at Hall Insurance would be glad to have you as a client. We treat all our customers with the same stellar service and are ready to extend that same service to you. Contact us today.  

Safe driving skills are important for new drivers to learn here in the Panama City Beach, FL area, as they set the foundation for how they will operate a vehicle in the future. As such, there are some tips from us at Hall Insurance that all new drivers should keep in mind when they are first getting behind the wheel. 

First and foremost, new drivers should always obey traffic laws and speed limits. This is essential for staying safe on the road and avoiding potential citations or accidents. It’s also important to remain aware of one’s surroundings at all times so that a driver can react quickly if necessary. This includes being mindful of other vehicles and pedestrians, as well as keeping an eye out for animals or other obstacles in the road. 

It’s also important to make sure that your car is properly maintained before getting on the road. New drivers should inspect their tires regularly, be sure to check their brakes and oil levels often and ensure that all fluid levels are topped off when needed. By taking these simple steps, new drivers can help prevent potentially dangerous situations while driving, such as engine failure or tire blowouts. 

Finally, it’s essential for new drivers to practice patience while driving. This can include allowing extra time for stops and turns, leaving room between cars to avoid rear-end collisions and being mindful of aggressive or reckless drivers on the road. 

Reach Out To Us

By following these safe driving tips for new drivers, you can help ensure a smooth transition into becoming a confident driver on the roads! For more tips, give us at Hall Insurance a call today. We are proud to serve the Panama City Beach, FL area.

Curious about auto insurance? Like automobiles, auto insurance is a relatively new concept but has had a huge impact on society. We’ll cover some of the basic stats and facts but if you have any questions, contact Hall Insurance, serving Panama City Beach, FL and other areas nearby.

The Earliest Known Insurance Plans

The oldest known insurance plan in the world was issued in 1347 in Genoa, modern-day Italy. Of course, cars weren’t being insured, but instead maritime shipments.

America’s First Auto Insurance Plan

The first auto insurance plan was offered by Traveler’s Insurance Company in 1897 to Gilbert J. Loomis and was issued in Dayton, Ohio.

Over 200 Million Americans Have Access to Car Insurance

IBISWorld reports that roughly 215 million Americans are covered by car insurance. This represents the bulk of the American adult population. The auto insurance industry is believed to be worth $300 billion.

Nearly 300 Million Cars Are On The Road

It’s estimated that roughly 290 million cars are on the road in the United States. The average age of a car is about 12 years. 

Car Accidents Are Sadly Common

Unfortunately, roughly 6 million car accidents occur each year. Thankfully, many of these accidents won’t result in extensive property damage or serious injuries. “Fender benders” are common. Still, motor vehicle accidents are a leading cause of death in the United States, resulting in more than 35,000 fatalities per year.

New Cars Are Getting More Expensive

As of 2022, a new car costs an average of roughly $48,000. Over the years, many vehicles have gotten bigger and are now packed with more technology than ever before. This has resulted in increasing prices. Used cars have also gotten more expensive over time, costing roughly $30,000, on average, in 2022.

Want to learn more about auto insurance?

Get in touch with Hall Insurance, serving Panama City Beach, FL.