News From Lawton Insurance
"Protecting What You Value Most"

IN THIS ISSUE
WHAT TO DO AFTER AN AUTO ACCIDENT
TIPS TO AVOID CAR ACCIDENTS
SEE WHAT OUR CUSTOMERS SAY ABOUT OUR CLAIMS SERVICE
Greetings!
It's SPRING TIME!! YEAH!!  The weather is beginning to get warmer.  You turn your windows down and your radio up while driving.  You take your eyes off the road for a split second to take a peek at the beautiful blooming flowers.  Life is good... and then it happens.  You didn't notice that car in front of you slowing down to make a turn.  You slam on the brakes but still end up hitting the other car.  Accidents happen that quick.  If this would happen to you would you know what to do?  We have dedicated this months newsletter to telling you what to do in the event of an auto accident and how to lower your risk for having an accident.
 
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car crashYOU JUST HAD AN AUTO ACCIDENT...NOW WHAT?
Take a deep breath and be thankful you are reading this now and not after you've already had an auto insurance claim.  Think ahead for a moment.  You have just had an accident.  You are not badly hurt but you don't feel the best either, particularly mentally.  Your car has some significant damage and you probably won't be able to drive it home.
 
There's a lot to remember to do, and very little time to do it.  What information do you need to have from the other driver(s)?  Are there any witnesses?  Does someone need to call the police?  Where do you take the car to have it repaired?  What do you do about alternative transportation?  Who do you call to make a claim?  Your agent?  The insurance company?  The other person's insurance company?  YOU ARE BASICALLY OVERWHELMED!!
 
What To Do After An Accident-  At the scene you need to do the following:
1.  Stop the car and get help for any injured drivers or passengers.  Call the police if there are injuries or if one of the cars involved is not drivable.
2.  Protect the accident scene.  Try to prevent further damage to the vehicles involved by setting up flares or getting your car off the road.
3.  If Police are called, give the officers whatever information they require, including your version of what happened.  Ask the investigating officer how you can get a copy of the police report.  Stay at the accident scene until the police have left.
4.  Write down the names and addresses of all drivers and passengers involved in the accident, as well as the license number, make, model and year of each car.  Make a note of the driver's license number(s), phone numbers and insurance information of the other driver(s).
5.  Write down all the details of the accident that you can remember.
6.  If necessary have your vehicle towed to a repair shop.
7.  Call your insurance agent to report the claim.  Do this as soon as you are able, including, if possible, from the accident scene.
8.  Keep records of any expenses you have as a result of the accident, including any related to a temporary inability to work or perform basic household functions.  Also, keep copies of paperwork related to the accident.
 
Remember, while no accident is a pleasant experience, proper preparation and following certain steps can assure that the claim process is resolved to your satisfaction.  But if you have a problem with your claim, please let us know.  We are here to help you and make sure your insurance policy takes care of you as it should.
 
traffic EASY TIPS TO AVOID CAR ACCIDENTS
We all know some of the contributing factors of automobile accidents- speeding, reckless driving, alcohol, drugs, driver inattention, driver fatigue and auto defects.  However, recent studies now show that driver inattention is becoming more and more of a major contributor to crashes on our highways.  Driver distraction is one form of inattention.  We advise motorists to apply various steps to prevent distractions during driving that could affect their driving performance.
 
Some points for motorists to minimize distractions is by pulling over to a safe place to:
-Call using cell phones
-Pick up items off the floor
-Switch radio stations
-Change audio CDs
-Browse a newspaper or look on a map
-Eat or do personal grooming
 
It is also advised that motorists avoid aggressive driving.  If you are in a potentially dangerous situation, it's better not to escalate it by avoiding gesturing angrily at a motorist who has probably cut you off the highway. 
 
For more detailed points on how you can avoid car accidents, here is a list of  tips you can start to apply while driving:
1Do not drink and drive.
2.  Maintain vehicles properly.  Follow a maintenance schedule for your cars, most especially your tires.
3.  Properly adjust your mirrors and double check the rear-view and side mirrors every so often.
4.  Avoid aggressive drivers.  Let aggressive drivers roll off your back, or call police.
5.  Leave a safe distance between your car and others.  At least one car length space between your car and the vehicle ahead is safe enough.
6.  Minimize distractions like reading the newspaper or checking out or answering your cell phone while driving.
7.  Always maintain a constant speed whenever possible.  Don't continually slow down or speed up.
8.  Be very careful at intersections.  Most accidents happen at intersections.  If you are about to enter an intersection, be sure to look left, then right, then left again to make sure the area is clear.
9.  Be very aware of road conditions.  Always keep your lights on at dusk, dawn and during heavy rains.
CUSTOMERS APPRECIATE OUR CLAIMS SERVICE
 
MY CAR LOOKS BETTER THAN BRAND NEW
"I made my first call to your office from the scene and was given prompt, courteous and happy peoplecompassionate advice about how to proceed.  Erie's adjuster was in touch with me the next morning.  The inspection of the car and the handling of the claim was accomplished wthin the next 4 days.  I am now driving a car that actually looks better than brand new."
William Snover Sunbury, PA
 
THEY HANDLED EVERYTHING
"After being in a car accident, the staff at Lawton Insurance was very courteous and professionalThey handled everything after the initial phone call.  At no point did I feel like I wasn't being taken care of." 
Scott Fohringer Mifflinburg, PA
 
LAWTON INSURANCE MADE A NEGATIVE SITUATION EASY TO DEAL WITH
"Thank you to your agency and Erie for the wonderful service they provided in handling my auto accident claim.  Everyone from the home office to your agency treated me with the utmost importance and made a very negative situation easy to deal with."
Bob Kluge Harrisburg, PA
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Chapman-Lawton Insurance Agency
311 Chestnut St
Mifflinburg PA 17844
570-966-3145
Lawton Insurance Agency Inc
57 Reitz Blvd Ste 101
Lewisburg PA 17837
570-524-4200
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Accidents do happen and some unfortunately are unavoidable.  However, being insured with Lawton Insurance Agency gives you the peace of mind that if you do have a claim it will be handled with utmost professionalism.
 
Sincerely,
Lawton Insurance Agency Inc &
Chapman-Lawton Insurance Agency
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