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"Thank You for taking such great care of our family. You not only saved us several hundred dollars over our previous insurance carrier but also made sure all of our insurance needs were well taken care of. When our niece needed automobile insurance at the last minute to purchase a new car, not only did you take the time to patiently educate her about insurance but you also waited over 2 hours after your normal business hours on a Friday night to make sure that she was able to take her new car home that day. You are not only an outstanding, dedicated insurance agent but a truly wonderful person. We look forward to a long insurance relationship knowing that we have you looking after us."
Gillian and Brenda



"I discovered Shepard Insurance about 5 years ago, while shopping around for competitive auto insurance policies. Not only were their prices enticing enough to encourage me to sign on with them, but their customer service has been what has kept me a loyal customer for five years. Since that auto policy, I've since purchased a home, and started a new business, both of which are also covered by Shepard. Luz and her team have been great, keeping in step with my every need."


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  1. Stay Calm.
  2. Be Courteous.
  3. Be Truthful
  4. Be Consistent in your version of the Accident
  5. See if anybody is injured.  Health is more important than any damage done to your vehicles.  When in doubt, call an ambulance.
  6. Call the police even if the accident is a minor one.
  7. Never try to make a deal at the scene of an accident.
  8. Never admit fault of the accident or accuse the other driver(s) of being at fault.
  9. After the accident get as much on the spot information as possible. Get hold of the names and addresses of independent witnesses before they lose interest and leave the scene. If you have a video, camera or camera phone available in the car, get pictures before vehicles and property are moved. Also, make a sketch plan of the accident while the details are fresh in your mind.
  10. Exchange necessary information with the other driver(s). Be sure to write down the other driver's name, address, phone number, license plate number and insurance information.
  11. Call your insurance company as soon as possible.  The faster you report the claim, the faster a claims adjuster will be able to get you back on the road.
  12. Tell your insurers about any statement made at the scene by any of the parties. Do not discuss whose fault it was. If you do, you could create problems for you and your insurers in the handling of your claim.

Please contact our office and we will be happy to supply you with our convenient Accident Report Guide to help you in the event of an incident.  This is especially good to review with young drivers in your household.  You may already have this guide as it is included in our auto insurance ID protector that we supply.