Your living overseas and enjoying life and you have an auto accident. Now what! You have to know the details of you auto insurance policy and that can be challenging at the least. Most drivers don't know if they have enough auto insurance until something happens. Whether it's life insurance or car insurance, you must ensure you're adequately covered. Check with your insurance broker for details and to review your coverage.

So your vehicle was damaged and it was in perfect condition before the accident. What do you do now? First check your auto insurance deductible. Commonly this is applied only to collision and comprehensive and sometimes windshield. If it was totaled your auto insurance should pay the current value of your vehicle less the deductible. If it was only minor damage then you may want to consider paying out of pocket if it is close the auto insurance deductible. That way you'll save on your next auto insurance purchase.