“The person that hit me didn’t even care if I was alright.”

This happens to be one of the biggest complaints from people hurt in an auto accident. This also seems to be one of the deciding factors on whether or not the injured person ends up filing a lawsuit against the at-fault party.  So if you find yourself being at-fault for an accident, showing a little concern will go a long way.

Later that night or the following day, call your insurance company and set up a claim. After you have done that, look at the driver exchange form and call the person that you hit. Tell them you feel terrible for the accident and you hope they are okay. Let them know that you already set up a claim with your insurance company and give them the claim number. Tell them how sorry you are for any inconvenience you may have caused. Doing this will help your chances of not getting sued. Not doing this or being aggressive towards the injured person, regardless if you think you are at-fault or not, is a sure fire way of getting yourself served with a lawsuit.

Remember, you don’t have to admit fault, just show a little compassion and it will go along way in whether or not you end up getting served with a lawsuit.

This is a hot topic and frankly, what better way to get more readers than to discuss a hot topic like Obama’s health care reform (google rankings, here I come).  You see, I think I have a solution to the problem and really, we already have a system in place here in America that we can look to as a model when discussing health care reform and you know what, it works pretty darn good. I’m not saying its perfect, but I am saying with a little tweaking, this model could help our politicians develop the best health care system in the world. This is America after all. We don’t follow other countries, we lead other countries to new and better places with our innovating spirit and drive. When discussing health care reform, look no further than our own auto insurance industry as a road map for success.

1. How do you insure every single person? In the auto insurance business, every single person that wants insurance can buy insurance. There is not one single person out there that can’t find auto insurance. Even though a bad driver may have higher premiums than a good driver, the bad driver can still find someone out there that is willing to take their premiums every month and insure that individual. Health insurance should be the same way. Health insurance companies should not be allowed to deny someone because of prior medical problems. “But won’t the insurance companies charge too much to insure someone with lots of prior medical problems?” Maybe, but that leads me to my next point.

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