Insurance Agents advice on what to do if in a car accident

I recently received this email from my insurance agent, Andre Bellon on what to do in case you are in a car accident. I hope it can help others if they get in this situation.

A lot of clients have been coming to the office asking what to do at the moment of an accident, this is because they have read regarding the accident that happened this past week where people were taken to jail because of this accident.





WHAT TO DO IN A CAR ACCIDENT


I would like to make clear some things about what to do in a car accident:



It’s very important that in any car accident, if you have car insurance, you must stay at the place where the accident occurs, until the adjuster and/or the authorities arrive at the place of the accident. If in the accident both parties can arrange themselves, this means that both cars have insurance and the Adjusters of each company have an agreement stating who is the responsible for the accident and determine each drivers responsibility of the accident, then the cars can be moved to a place where they do not block traffic.



NEVER move the cars from the place of the accident until the adjusters or authorities arrive to the location of the accident.



The Mexican laws say that if there is any person injured in the accident, both drivers will be held in the “Ministerio Publico” offices (like a small jail) were you will be held until the authorities can declare who is responsible for the accident. If there are injuries at the scene of the accident, both drivers will be held also.



If you are involved in a car accident, where someone is injured, my recommendation is to call the insurance company immediately and your insurance agent, so that he/she can help you requesting the insurance company lawyer to assist you legally in all the processes.



If there are no people injured at the accident, apparently there should not be any reason for the authorities to hold you in the Ministerio Publico office.



In the Insurance Industry in Mexico, THERE IS NO COVERAGE for you to skip any of the obligations mentioned before. There is no coverage for you not to be held if there is any injured people.

So remember to always call to your insurance agent, he or she most provide you the information needed so you can have a better understanding of your insurance policy.

Por claro !!

If prescription drugs are a controlled subject, it may be good to have a copy of the prescription in your glove box with your car papers.

yes, the post about the horrible jail conditions is very scary.

Usually they test for controlled or illegal substances and blood alcohol. Meds for blood pressure, cholesterol, etc. don't count as they do not alter your behavior or ability to drive safely.

We're behind you. Perhaps a letter to the editor in the Reporter would be a good thing to let the public know the horrible conditions.

brigitte wrote:I believe that if I can convince the chief to have a place that is sanitary it is better than embarrassing him publicaly and we stand more chances of getting what we want.
If that does not work I will go higher but we need to give him a chance.
I do not expect to be comfortable in a holding tank but I expect the place to be clean and sprayed for mosquitoes especially now that we have dengue.
The woman I slept with had the flu but there is not much anyone can do about that..

If anything is written about that part in the reporter you guys are on your own and I will not pursue it.

Once again, a level-headed approach from a more than level headed woman! And she was the 'victim'. Although I don't live at Lakeside I am there a lot. I agree with her position to attack this with respect first rather than going off, gringo style, at the Authorities. If nothing else, we owe HER that much.

Anyone not willing/able to "do the time" probably shouldn't be driving in Mexico (or at least in Jalisco). We were told when we first arrived here that if you get in an accident, with injuries, you are going to jail until things are figured out. Thanks for the detailed report and reminder Brigitte. A truly crappy way to spend a couple of days.