LANSING - The Office of Financial and Insurance Regulation (OFIR) today provided auto insurance tips to consumers before they leave for their summer road trip.

"While planning for a summer trip,  Michigan consumers need to review their auto insurance before they hit the road," said OFIR Commissioner Ken Ross.

OFIR's tips for consumers planning summer travel:

Before Leaving on Vacation

• Make sure you have your insurance identification card in the car.
• Double-check that phone numbers for your insurance company and agent are listed on the identification card. If not, make note of these numbers to keep with your ID card.

If You're in an Accident

• Check for any injuries and administer first aid, if necessary.
• Contact the proper authorities and inform them of any injuries. Regardless of the circumstances, report the accident to the police.
• Record the name, address and phone number of the other driver. Always write down the make, model and license plate number of all vehicles involved.
• Collect the names, addresses and phone numbers of all passengers and witnesses.
• Take photos of the accident scene, if possible.
• Do not admit fault.
• Ask the investigating officer how to obtain a copy of the police report.
• Notify your insurance agent or company immediately.

Ramifications of Filing a Claim

An accident filed with your insurance company might cause your rates to rise. Premium increases are more likely when the accident is your fault; however, an insurance company might also raise your premiums if you have more than one not-at-fault accident within a policy period.  

More Information

If you have a dispute with your insurer about the amount or terms of the claim settlement, contact OFIR toll-free 877-999-6442 or www.michigan.gov/ofir .