If you’ve ever been in a car accident, you know the feeling of wanting to get away from the situation as quickly as possible. Even if nobody sustained any major injuries, the moment of impact and the unknown is something that haunts everyone who has experienced it.
Even if you want to turn the other way and let the insurance agencies take care of everything, taking action immediately is crucial.
Do Your Homework
Following any car accident, there can be a lot of emotion and a desire to avoid the situation. Because of this, taking a few actions today as a precaution can save time and money later.
Insurance policies vary greatly. Policies can range from minimal coverage to complete coverage, even if the accident was your fault. Understanding and knowing your policy will help ensure you get the coverage you need.
Hiring an attorney is a wise idea. Having an attorney review the policy with you will clear up any potential loopholes, confusing language, or other issues that may come up later. Doing this will also allow for an attorney to take swift action if needed following an accident. Since they already reviewed the policy with you, they will know how to help.
Finally, make sure that the vehicle is running well. Many accidents are caused by vehicle malfunction, such as worn-out tires, engine failures, or worn-out brakes. Staying on top of these potential issues will not only prevent accidents, but will also save you money on major repairs later.
Be Active at the Scene
If anyone involved in the accident is hurt, get medical attention immediately. A few extra dollars isn’t worth risking the long or short-term health of anyone.
However, out of nearly five million accidents a year, 57% reported injuries and another 30% reported minor injuries that did not need immediate medical attention. In other words, most of the time, emergency medical assistance is not necessary.
In a perfect world, the insurance agency, the other driver, and the police report will all match up well, and there won’t be any issues. However, oftentimes, there is a misunderstanding and having evidence pays off. Taking pictures is one of the most important actions that needs to happen following an accident.
When at the site of the accident, take photos of everything. Doing this will allow any disputes to be settled and evidence to fall in your favor. Additionally, taking photos of your vehicle’s current state is helpful so that nobody can claim that a scratch or dent was present before. Having before and after pictures, as well as pictures of the other vehicle, can literally be worth a thousand words, or in this case, dollars.
Once a report has been filed and all the paperwork has been finished, you may want to sit back and hope everything works out. Staying involved in the process and staying in communication with the insurance agency is crucial and does two things:
- Keeps the process moving: Typically, an insurance agency should take about 30 days to complete the process once a claim has been filed. Getting an update after about two weeks can make sure that everything has been accepted and that the process is on track. If 30 days come and go, that’s another time to get in touch and make sure there are no new updates or issues.
- Prevents Surprises: Occasionally, an insurance adjuster and the agency as a whole will try to find ways to lower their payment. After all, they’re a company trying to make as much money as possible. By staying active and involved in the process, you will be able to react quickly to any decision, negotiation, or other issues that come up. It will also prevent multiple issues from stacking up and causing a headache to work through later.
Following these three steps of preparing early, being proactive at the scene, and staying involved throughout the entire process will help ensure that you get what you need following a car accident.
Kristi Ronning, Beautifully Portraying ‘Love, Knows No Bounds’
If your concept of eloping includes sneaking away at night, or heading to your dream place, think again. Small, highly mobile weddings have grown by leaps and bounds over the past five years. Fueled by mind-blowing posts on Pinterest, Instagram, and beyond, a growing number of young couples are trading in churches and banquet halls.
With the pandemic disrupting thousands of weddings, the shift to small elopements is growing faster. An elopement containing just the couple and a few guests is comparatively safer and a far less stressful way for marriage than calling relatives, friends and many other guests.
In order to provide you with ethereal and magical photography for your wedding, Kristi Ronning founded Opal and Ox. Ronning is an American Elopement photographer, recognized for her mountain-top portraits. In addition, she features breathtaking landscapes with an aesthetic sense.
Born on July 30, 1991, and raised in Pine Island, Minnesota, Ronning is the youngest of her siblings. She was born to Kathy Shafer and Jeff Ronning. From a very young age, she loved capturing photographs of her surroundings. As a kid, she loved dancing and taking theater classes. When Ronning entered second grade, her mother was thoughtful enough to gift her a disposable camera, which quickly turned into a digital one. From that point onwards, she has never put her camera down. Her passion drove her to become a professional photographer at the age of nineteen.
After getting married to her husband, Ralphie, the two opened a photography and videography service-providing company named Opal and Ox. The couple has been quite successful in covering weddings worldwide since 2012.
She has kept Opal & Ox services very admirable. According to her, life is all about exploring new adventures, this is what she, along with her husband, has been doing, and the reason for creating Opal & Ox is to lend their support to those who want to discover their love in an aesthetic style. Furthermore, the couple strongly believes that photography and videography flow together perfectly. This is why Ronning has been capturing emotions, energy, joys, and memories through the lens of her camera.
She firmly thinks that whether it’s weddings and elopements, family photo sessions, senior portraits, or newborn photos, she knows how to capture the moments. Opal & Ox has been telling stories together through film and photos since almost 15 years. The journey has been quite memorable and displays Ronning’s love for photography in a nutshell.
In her early years of photography, she covered conventional weddings. Upon moving to Montana, she began pioneering the mountain-top elopement wedding style that has been made famous by social media platforms.
Ronning loves to incorporate fun fashion pieces into natural landscapes. Being completely self-taught, she quickly became one of the most prominent elopement photographers in the world. Now, people all across the world admire her work. However, she is best known for climbing mountain peaks with couples and documenting their marriage at an elevation of over 10,000 feet. Currently living in Montana, she shoots on a Hasselblad 907x medium format digital camera.
In 2020, Ronning was featured on the cover of Montana bride magazine, volumes 18 & 19, for capturing an epic three days shoot in the mountains. The magazine did a 9-page spread about the 3-day overnight hike in the mountains outside Yellowstone National Park.
Ronning’s future endeavors include launching her first photography book and filming a documentary following her life and career in the mountains. Her determination made her capable enough that in 2022, she was featured in Rocky Mountain Bride magazine. Being a woman, she has never given up on her dreams. Her continuous efforts and life-long achievements can be a true inspiration for all young female photographers out there.
- Kristi Ronning, Beautifully Portraying ‘Love, Knows No Bounds’ December 1, 2022
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