Tag Archives: accident

What To Do If You Have A Care Accident.

 

Having a car accident is a very upsetting, stressful situation. Being prepared and knowing what to do can make things a little bit easier. Make sure you know which host parent to call in case of an accident.

Make sure you have all the necessary documents in your car glove box. Read this post on What to Keep in the Car Glove Box for a detailed list.

If you have an accident: (from Edmunds.com)

  1. Keep Safety First. Drivers involved in minor accidents with no serious injuries should move cars to the side of the road and out of the way of oncoming traffic. Leaving cars parked in the middle of the road or busy intersection can result in additional accidents and injuries. If a car cannot be moved, drivers and passengers should remain in the cars with seatbelts fastened for everyone’s safety until help arrives. Make sure to turn on hazard lights and set out cones, flares or warning triangles if possible.
  2. Exchange Information. After the accident, exchange the following information: name, address, phone number, insurance company, policy number, driver license number and license plate number for the driver and the owner of each vehicle. If the driver’s name is different from the name of the insured, establish what the relationship is and take down the name and address for each individual. Also make a written description of each car, including year, make, model and color — and the exact location of the collision and how it happened. Finally, be polite but don’t tell the other drivers or the police that the accident was your fault, even if you think it was.
  3. Photograph and Document the Accident. Use your camera to document the damage to all the vehicles. Keep in mind that you want your photos to show the overall context of the accident so that you can make your case to a claims adjuster. If there were witnesses, try to get their contact information; they may be able to help you if the other drivers dispute your version of what happened.

Important Reminder: You may always phone the police (911) to ask for help, if you feel unsafe because of how the other person is behaving. Your safety is the most important thing.

Image: cygnus921 (Flickr)

Winter Sports and Sports Insurance

Is it risky to do winter sports without the sports insurance?
ice-skate

Yes. If you have to pay your own hospital bills for a broken bone, you might be shocked at how much that would cost. I checked this website for some cost estimates.

Here are a couple examples:

  • Without medical coverage, to treat a broken arm or leg (that does not require surgery) it could cost up to $2,500.
  • Without medical coverage, to treat a broken arm or leg (requiring surgery) it could cost $16,000 or more.

    • I wanted to make sure everyone understands how the medical coverage works for sports related injuries. There is a list of “high-risk sports/activities” that are not covered with the basic or upgrade medical insurance plans. Those activities are only covered with the Sports Insurance Package (also known as Option A.)

    The Sports Insurance Package was available pre-departure and may also be purchased at any time during your year. It takes effect within 48 hours of your enrollment and it is good for 12 months. The cost will be the same ($75) whether you have a month left or your whole year ahead of you. I recommend you pay for it early on, if you didn’t already purchase it. You never know when an opportunity might present itself and you don’t want to miss out on an adventure. You also don’t want to take a risk on getting injured and being responsible for the bill on your own.

    Below is a partial list of sports that are only covered with the sports insurance package:
    Football, Rugby, Scuba diving, Ski-doo, Wakeboarding, Skydiving, Parachuting, Rock climbing, Zip line, Skate boarding, Rollerblading, Roller skating, Ice Skating, Skiing, Snowboarding, Snowmobiles & Snowshoeing. View the full list on page 3 of the insurance brochure HERE (2013 arrival au pairs) & HERE for (2014 arrival au pairs)
    Note: Injuries sustained while partaking in these sports are covered with purchase of the Sports Insurance ONLY.

    How to register for the Sports Insurance
    Download the form HERE and follow the instructions. It takes a few days for your coverage to begin. If you think you will be doing any of these sports, you should get it now.

    What to Keep In the Car Glove Box

     If you are like me, you probably have napkins and straws from fast food restaurants and other assorted items in your glove box in the car.  It can be a nifty storage place, but it’s main purpose is to keep some important documents related to the car. glove box

     It is very important that you keep all of the necessary documents in the car glove box. These items will be necessaryif you are stopped by a police officer or have an auto accident. Not having these items can result in your receiving a ticket (citation) from a police officer. 

     Essential Documents

    *Some host parents may tell you to carry these in your wallet instead of keeping them in the car. Follow their instructions.

    Helpful Extras

    • Flashlight
    • Tire Pressure Gauge
    • Vehicle Owner’s Manual
    • Map or GPS
    • Tissues and Hand Sanitizer
    • First Aid Kit 

    In Your Wallet
    Carry your Maryland license or country driver’s license and international driver’s permit with you at all times, especially when you are driving. You should leave your passport and Social Security Card and other documents at home, to reduce the risk of losing them