Summer is almost over but people are still traveling trying to get in their last minute vacations before Labor Day. We are trying to get in a last minute trip to Cleveland. On this trip we decided to drive instead of fly. Unfortunately, Labor Day is one of the most dangerous holidays for car travel so there is no better time than now to prepare in case of an auto accident.
The National Association of Insurance Commissioners (NAIC) has a new app that will help you in the event of a car accident. NAIC’s free WreckCheck app is designed to help you calmly walk through the steps to take following an auto accident, and it helps you determine what information and details are important when filing an insurance claim, all from your mobile phone.

Recent research from NAIC suggests that after an auto accident, many Americans do not know the steps to take or information to share with the other driver involved. Oftentimes, drivers over share personal information that could put them and their families at risk, so downloading the WreckCheck app is a good way to ensure your privacy and the safety of your family.
This is such a great app. I have been in car accidents (not my fault!) and I have always hated giving out too much information. When you give out your home address, driver's license number and other information it can be dangerous. The fact that you can have an app that walks you through what you need to do at a time when you are not thinking clearly is wonderful.
Once someone backed into my car and because it was a small fender bender, I did not call the police. I did get information but then she denied hitting my car. My insurance agent said I should have called the police but I had no clue. Luckily, I had a witness and the problem was resolved. But that was a time I could have used the WreckCheck app!
If you would like to download the WreckCheck app, you can find it online at iTunes® and Google Play® or by searching “NAIC” at the iTunes store or Android market.
And thanks to the NAIC I have a $50 gas card to give away to one lucky reader! YAY! This will come in handy for any road trips you might be planning. Just enter on the Rafflecopter widget below!!
a Rafflecopter giveaway
Disclosure: I received a gift card. Opinions in this post are solely mine and are based on my experience. Sponsors are responsible for shipping prizes unless otherwise stated. Please allow 6-8 weeks for delivery of any prizes.
people share their drivers license number?!?! that is just dumb
ReplyDeleteI learned that sharing your phone number is rarely necessary.
ReplyDeleteI learned that you shouldn't need to share info like driver's license #, home address or phone number and if you do, you are setting yourself up for potential identity theft.
ReplyDeletekerrie@mayansfamily.com
Sharing a phone number after an accident in snot necessary.
ReplyDeletemsgb245 at gmail dot com
as Maureen
I learned In an automobile accident we dont need to share personal irformation, we need only provide name and vehicle insurance information provider.
ReplyDeleteVisited and learned that you do not actually have to provide your personal phone number
ReplyDeletemummytotwoboys@yahoo.com
your home address gives identity thieves the physical location of your mail or garbage, the first place criminals often look for personal financial information
ReplyDeleteThe Federal Trade Commission estimates nearly nine million consumers have their identities stolen each year. Knowing what to share helps keep property and identities safe.
ReplyDeleteI haven't had an accident, but
ReplyDeletethe new app outlines what to do immediately following an accident and walks me thrsough the process to create my own accident report.
mtakala1 AT yahoo DOT com
I learned that identity theft is one of the fastest growing crimes in America.
ReplyDeleteNancy
allibrary (at) aol (dot) com
The WreckCheck app would be helpful for guidance in accident situations where many people are not thinking clearly.
ReplyDeleteNancy
allibrary (at) aol (dot) com
learned that our home address gives identity thieves the physical location of your mail or garbage, the first place criminals often look for personal financial information.
ReplyDeletehippopurplemonkey at yahoo dot com
The app outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report.
ReplyDeleteHaving an accident can be tramatic. Having an app to help remember what to do would take some of the stress away.
ReplyDeleteI learned not to show another driver a drivers license- I always thought it was part of the process- good info!
ReplyDeleteellen beck
tannawings at gmail dot com
38% of people believe they should share drivers license if they are in an accident debbie jackson,
ReplyDeletedjackson1958 at hotmail dot com
he Federal Trade Commission estimates nearly nine million consumers have their identities stolen each year
ReplyDeleteI learned that you shouldn't give personal information with the other driver.
ReplyDeleteWreckCheck app would be helpful in documenting the accident.
ReplyDeleteI learned that sharing your phone number increases the risk of identity theft.
ReplyDeleteThanks for the nifty giveaway!
NAIC has developed WreckCheck, a new, free mobile app for iPhone® and Android® smartphones. The new app outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report. The app directs them to capture photos and helps document and share only what is necessary to file an insurance claim. Users can even email their completed reports to themselves and their insurance agents.
ReplyDeleteI learned that if I am in an car accident, sharing my phone number is rarely required when exchanging information. Thanks!
ReplyDeleteromapup at gmail dot com
It could have helped me save time. The guy was mad he hit my car (he was a hothead) and it would have been nice to have cut that visit short.
ReplyDeleteromapup at gmail dot com
I found the Accident Checklist PDF form and saved it to my computer.
ReplyDeleteKnock on wood - I've never been in an accident that I've caused (and only minor one when someone else hit me) but this app would come in handy if I get into an accident in the future!
ReplyDeleteI learned not to give out my driver's license to the other party if involved in an accident. I had never given this any thought at all.
ReplyDeleteThirty-eight percent of consumers believed they should share their driver’s license number with the other driver
ReplyDeletegabbflabber@live.com
I was surprised at the information you don't have to share. I have given out my drivers liscence in the one accident I have been in.
ReplyDeleteI learned poeple give ou more info than needed after a car accident that can lead to identity theft or other risk
ReplyDeleteYou should not share your Driver's License # with anyone. rk marsh at aol dot com
ReplyDelete9 million consumers have their identity stolen each year.
ReplyDeleteI learned that you do not need to share your phone number with someone you had got into a wreck with
ReplyDeleteI learned they also have a downloadable accident checklist for those like myself that don't have a smartphone.
ReplyDeleteWendy T on rafflecopter
I learned that you shouldn't exchange personal information with the other driver.
ReplyDeleteI learned that Identity theft is one of the fastest-growing crimes in the United States.
ReplyDeleteThirty-eight percent of consumers believed they should share their driver’s license number with the other driver
ReplyDeleteI'm going to check this out but hope I won't need it!
ReplyDelete"one in six would even allow the other driver to photograph the license as a convenient way to exchange information." WHAT????? No way!
ReplyDeleteI learned they have an app for smartphones which walks you through making your own report. This would be nice to have.
ReplyDeleteI learned that you do not need to share your phone number with someone you had got into accident with
ReplyDeleteit will help me determine what photos and documentation is necessary to file an insurance claim.
ReplyDeleteI learned that if another driver (involved in accident) is unable to provide vehicle ownership and/or insurance information it is appropriate to ask for their phone number, address and driver's license number.
ReplyDeletesheilatf52 at yahoo dot com
I did not know it wasn't necessary to share your phone number. I really don't see the necessity to share a drivers licence number with the other driver. This will help to be prepared for accident...which we all hope will never have. Patricia
ReplyDeleteit would have helped me when someone backed into my minivan in a parking lot
ReplyDeletei learned sharing personal information such as your address and phone number and driver's licence number may put your privacy and identity at risk
ReplyDeleteidentity theft isa fast growing crime
ReplyDeleteI learned: In fact, a recent survey by the National Association of Insurance Commissioners (NAIC) suggests that, after an accident, many Americans do not really know what information they should share with the other driver. State laws vary, but in most cases you need only provide your name and vehicle insurance information, which should include the name and phone number of your insurance provider.
ReplyDeleteWreckCheck app would be helpful in documenting what happened in the accident.
ReplyDeleteI learned that The Federal Trade Commission estimates nearly nine million consumers have their identities stolen each year.
ReplyDeleteThanks so much.
rickpeggysmith(at)aol(dot)com
Wreckcheck can help me from giving personal info out and have my identity stolen.
ReplyDeleteI learned Twenty-five percent of consumers surveyed said they would share their home address.
ReplyDeleteelysesw@aol.com
You should not share your driver lisence info.
ReplyDeleteMillions of identities stolen every year. That is really scary.
ReplyDeleteI learned that Identity theft is one of the fastest-growing crimes in the United States.
ReplyDeleteNathansmommy619(At)aol(dot)com
It would help me to know better how to react, and what to do if I was in that situation
ReplyDeleteNathansmommy619(At)aol(dot)com
However, filing a police report can help facilitate the insurance claims process.
ReplyDeleteI learned that the Federal Trade Commission estimates nearly nine million consumers have their identities stolen each year, disrupting finances and damaging credit histories and reputation.
ReplyDeletealittlepieceofheaven777(at)yahoo(dot)com
Twenty-nine percent of survey respondents believed they are required to share personal phone numbers. In fact, sharing your phone number is rarely necessary.
ReplyDeleteI learned that you shouldn't give personal information to the other driver.
ReplyDeleteI did not know that it was unnecessary to share your phone number.
ReplyDeleteI learned that you are at risk for identity theft if you have an accident!
ReplyDeleteI learned that their site is very inmformative and would help keep me safe!
ReplyDeleteThirty-eight percent of consumers believed they should share their driver’s license number with the other driver
ReplyDeleteI learned that you should not exchange driver's license info with the other party because it could lead to identity theft.
ReplyDeleteI learned on the NAIC website that having poor credit can result in higher premiums or, in some cases, the inability to secure insurance through some carriers.
ReplyDeleteabfantom at yahoo dot com
nearly nine million consumers have their identities stolen each year, disrupting finances and damaging credit.
ReplyDeletemverno@roadrunner.com
I learned that it's not required that you share a lot of personal information after a traffic accident.
ReplyDeleteWreck Check would walk me through the steps I should take after an accident.
ReplyDeleteI learned that I might have been in trouble before reading this! I'd have been one of the "Twenty-five percent of consumers surveyed said they would share their home address."
ReplyDeletebethelderton59 at gmail dot com
WreckCheck would be a great help in making sure I get the details right--I'd be nervous and scared (even in a small fender-bender!) and might not get--or give--the proper information.
ReplyDeletebethelderton59 at gmail dot com
I like the Wreck Check App.
ReplyDeleteThanks for the chance.
mogrill12@gmail.com
I learned that nine million consumers have their identities stolen each year. Wow, that's a lot!
ReplyDeleteWreckCheck could help by documenting the accident and protecting me. Accidents are traumatic, so I'm up for anything that would help ease the process.
ReplyDeletei learned not to give my phone # after an accident...didnt know that!
ReplyDeleteSarah Hirsch
i was rear-ended, and wreck check could have helped me know which information to take note of.
ReplyDeletesarah hirsch
I learned about the wreckcheck app and downloaded it!
ReplyDeletesksweeps (at) earthlink (dot) net
the wreckcheck app would help me remember exactly what info to get and give out and keep my identity safe
ReplyDeletesksweeps (at) earthlink (dot) net
I learned that you most likely don't even need to share your phone number if you get into an accident.
ReplyDeleteI learned the app is available for Android as well as iPhone.
ReplyDelete•Twenty-five percent of consumers surveyed said they would share their home address
ReplyDeleteI learned because of Identity Theft you should not share your driver's license with the other driver. NAIC has an accident checklist you can download if you do not have a smartphone.
ReplyDeletetnrina|at|gmail|dot|com
You should only need to provide your full name and insurance information. Any other information sets you up for ID theft.
ReplyDelete"your home address gives identity thieves the physical location of your mail or garbage, the first place criminals often look for personal financial information." *Thanks* for the giveaway!
ReplyDeleteIt could help me share only what is necessary to file an insurance claim.
ReplyDeleteI learned its not necessary to share your personal/contact info
ReplyDeleteThanks for the great giveawaY!
That looks really handy!
ReplyDelete* Thirty-eight percent of consumers believed they should share their driver’s license number with the other driver + Many retailers accept driver’s license information to verify your identity over the phone. In fact, your license number is the most common way to confirm your identity after Social Security number and date of birth.
ReplyDeleteI learned this:
ReplyDeleteTwenty-five percent of consumers surveyed said they would share their home address.
and this is a bad way to have people steal your information or identity
the main thing I learned is in an accident we dont need to share personal irformation, we need only provide name and vehicle insurance information provider
ReplyDeletenearly 20 percent of respondents believe the only reason to call police after an accident is if someone is injured
ReplyDeleteI learned identity theft from sharing unnecessary info after an accident is a common problem. Had no idea!!!
ReplyDeleteI found out that you should call the police if involved in an accident even if no one is injured because filing a police report can help facilitate the insurance claims process.
ReplyDeleteI have never been in an accident but I definitely think if I ever was this app would help me to make decisions on what to do as it outlines what to do immediately following an accident and walks users through a step-by-step process to create their own accident report.
ReplyDeletelearned in an automobile accident we dont need to share personal irformation, we need only provide name and vehicle insurance information provider.
ReplyDeleteI had a fender bender recently (my fault:(, and I immediately got out my wallet,ready to give him any & all information he requested. I realize now that I should be more discriminating in the amount/type of info I should provide-good article.
ReplyDeletesheilatf52 at yahoo dot com
no need to share phone numbers
ReplyDeleteI believe it'd help to simply give us peace of mind. In crisis situations, I have found that no matter how prepared we believe we are or how much we know, our actions can later surprise us. This would be helpful in navigating our way through it.
ReplyDelete*Wendy T on rafflecopter.
Thirty-eight percent of consumers believed they should share their driver’s license number with the other driver.
ReplyDeleteI can't believe that number is so high!!
snowwolf222@yahoo.com
ReplyDeleteI learned the app would help me to make decisions on what to do as it outlines what to do immediately following an accident; which is nice, it's really hard to think clearly at times like that!
writer61@yahoo.com
YOu do not need to share your drivers license #,
ReplyDeleteseyma_bennett@hotmail.com
I learned that sharing a phone number after an accident is not necessary.
ReplyDeleteidentify theft with accidents, shouldn't let someone take a pic of your Driver's license can take your identity that way, carawling(at)hotmail(dot)com
ReplyDeleteNAIC offers a downloadable accident checklist and tips for staying calm, safe and smart on the road.
ReplyDeleteI learned that WreckCheck, outlines what to do immediately following an accident. s2inamug at aim dot com
ReplyDeleteSharing personal information such as your address and phone number may put your privacy and identity at risk.
ReplyDeletesharing personal information isnt necessary
ReplyDeleteI learned that you don't have to share your personal info like your phone number
ReplyDeleteLuckily I have only been in one car accident my entire life (I was 16 and was rear-ended when stopped at a red light by a driver that was speeding and didn't even try to stop). The app would help me to stay calm and make sure that I was providing the correct info, not sharing personal information that could lead to identity theft.
ReplyDeletei learned about the app called Wreckcheck. what a great thinkg to have. it helps you get all the info at a time that you may not be thinking of all the things you need to know. thanks
ReplyDeleteI learned that this is an amazingly smart app to have on your phone! It's easy to be confused and shaken after an accident, and it helps to have something to guide you through each prudent step. I love that it logs the time and location of the event automatically!
ReplyDeleteThanks!
h4schaffer at gmail dot com
I learned that you need to protect your ID! This is actually a bit of a surprise, but it makes sense, especially in cases of a 'fraud accident'.
ReplyDeleteh4schaffer at gmail dot com
Ilearned that you only have to share your name and vehicle insurance infromation, along with your insurance providers name and phone number. ladyvon at grm dot net.
ReplyDeletelearned that you don't have to share your personal info
ReplyDeleteYou do not have to give out any personal info other than your name.
ReplyDeletelearned that you do not actually have to provide your personal phone number
ReplyDeleteyou don't really need to share everything
ReplyDeleteI think would help because you are so nervous you sometimes forget what to do
ReplyDeleteidentity theft is one of the fastest growing crimes--that is why I try to shred my papers..thanks, simmsmba@gmail.com
ReplyDeletethis app is good if the accident is not serious but if it is a serious accident, then I can't see this being helpful for the victim in an accident..thanks
ReplyDeleteI learned that Twenty-five percent of consumers surveyed said they would share their home address.
ReplyDeleteI liked that it warned against letting your ID be photographed. In today's day and age it is so quick and easy to snap a picture and in the stress following an accident you might not think to protect your identity!
ReplyDeleteI think it would keep me calm in a stressful situation, and having a "checklist" would make sure I did everything I was supposed to.
ReplyDeleteI learned that NAIC stands for the "National Association of Insurance Commissioners."
ReplyDeleteGiving your phone # after an accident is unnecessary.
ReplyDeleteTheir app would come in handy after an accident to help us think "clearly"
ReplyDeleteI learned that many people believe you should share driver license, home address, and/or phone number with the owner of the other car once you get into an accident... which is far from the truth...
ReplyDeleteI learned you should not show your driver's license to the other driver!
ReplyDeleteI learned that identity theft is one of the fastest growing crimes in the United States.
ReplyDeletejcarrturq5@yahoo.com
i learned state laws vary as to what info you need to share in an accident
ReplyDeletenannypanpan@gmail.com
I didn't realize having an accident would put you at risk for identity theft. Good information and I will pass along! Thanks.
ReplyDeleteI learned that "State laws vary, but in most cases you need only provide your name and vehicle insurance information, which should include the name and phone number of your insurance provider."
ReplyDeleteThanks for the giveaway!
I didn't realize that identity theft was a concern when dealing with an accident! Wow!
ReplyDeleteI learned that Sharing personal information such as your address and phone number may put your privacy and identity at risk. However, if another driver is unable to provide vehicle ownership and/or insurance information it is appropriate to ask for their phone number, address and driver's license number. wilcarvic
ReplyDelete[at]gmail[dot[com]]
Twenty-nine percent of survey respondents believed they are required to share personal phone numbers. In fact, sharing your phone number is rarely necessary.
ReplyDeletei would have been in the 29%
didn't know having an accident would put you at risk for identity theft - regnod(at)yahoo(d0t)com
ReplyDeleteI learned that 38% of consumers believed they should share their driver’s license number with the other driver — 1/6 would even allow the other driver to photograph the license as a convenient way to exchange information.
ReplyDeleteI had no idea that people even did identity theft in that way but I guess it's not surprising!!
ReplyDeleteit's not necessary to share a phone number
ReplyDeletedo not give them a phone number or address other wise they can track you down easily - not cool
ReplyDeleteI learned that nearly 20 percent of respondents believe the only reason to call police after an accident is if someone is injured.
ReplyDeleteI learned the identity thief is very common after an accident. Only provide necessary information not your personal information (phone or home address)Nine million consumer are victims each year. SCARY!
ReplyDeleteTwenty-nine percent of survey respondents believed they are required to share personal phone numbers. In fact, sharing your phone number is rarely necessary.
ReplyDeleteI learned that if I am in an car accident, sharing my phone number is rarely required when exchanging information.
ReplyDeleteThey also have a .pdf checklist you could print. This would be great to have in the car's glove box in case of an accident (especially with teens.)
ReplyDeleteI think this app could really help in case of an accident simply because you sort of go into shock and can't think properly!
ReplyDeleteI learned that filing a police report can help facilitate the insurance claims process.
ReplyDeleteIt is not good to share personal data.
ReplyDelete25% of people exchange adresses in an accident
ReplyDeleteLearned that it's a bad idea to share your personal info!
ReplyDeletewolverina401 at gmail dot com
I learned "Many retailers accept driver’s license information to verify your identity over the phone. In fact, your license number is the most common way to confirm your identity after Social Security number and date of birth."
ReplyDeleteBecause I have never had an accident this would be wonderful if I ever need to have the step by step instruction
ReplyDeleteTwenty-nine percent of survey respondents believed they are required to share personal phone numbers. In fact, sharing your phone number is rarely necessary.
ReplyDeleteI learned that Twenty-five percent of consumers surveyed said they would share their home address.
ReplyDeleterjwashington2000@yahoo.com
The app would allow me to collect the necessary information on the spot and immediately email it directly to yourself and your insurance agent.
ReplyDeleterjwashington2000@yahoo.com
I've never been in a car accident but this part really interested me: "The app allows you to collect the necessary information on the spot and immediately email it directly to yourself and your insurance agent. It also makes it easy to capture photos and document the necessary information to file an insurance claim." I think that would definitely help tons if I got into an accident.
ReplyDeleteidentity theft is one of the fastest growing crimes
ReplyDeleteWhat helped me out is knowing I dont have to show my license to toher other driver
ReplyDeletetannawings at gmail dot com
i learned sharing your phone number is rarely necessary.
ReplyDeletedani marie
ferriza2(at)yahoo(dot)com
You do not need to share certain info with the other driver.
ReplyDeleteseyma_bennett@Hotmail.com
Twenty-nine percent of survey respondents believed they are required to share personal phone numbers. In fact, sharing your phone number is rarely necessary. lsenko83 at yahoo.com
ReplyDeleteI learned that identity theft is one of the fastest growing crimes
ReplyDeletertrexel@gmail.com
I learned ways to protect my information from identity theft if I were to be in an accident.
ReplyDeleteI had never really thought about the risk of identity theft while sharing information after an accident, but did know that all they really needed to know was name and insurance information.
ReplyDeletecgclynsg0 @ gmail dot com
It would be very helpful to keep everything on track, at least during fairly minor accidents. Doubt it would be much help in a serious one though, since the user must be able to concentrate enough to use it!
ReplyDeletecgclynsg0 @ gmail dot com
I learned that you don't have to share personal info
ReplyDeleteI learned that Twenty-five percent of consumers they surveyed said they would share their home address.
ReplyDeleteI learned that Twenty-five percent of consumers they surveyed said they would share their home address.
ReplyDeleteI learned that you should rarely share your phone number.
ReplyDeleteI learned that sharing your phone number is rarely necessary.
ReplyDeleteHotsnotty2@hotmail.com
I learned that NAIC offers a downloadable accident checklist and tips for staying calm, safe and smart on the road.
ReplyDeletepittsy82@hotmail.com
I learned that people do not need to share personal information, except for name and insurance info after an accident.
ReplyDeleteI learned that the Federal Trade Commission estimates nearly nine million consumers have their identities stolen each year
ReplyDeleteThe WreckCheck would take me step-by-step on what to do when I may be in a state of shock and it would help me stay focused.
ReplyDeleteI learned that if you do not have a SmartPhone to run the app, NAIC also offers a downloadable accident checklist and tips.
ReplyDeleteIt would focus my mind on the steps needed and what not to do
ReplyDeleteMost drivers don't think about identity theft after an accident. Thanks for the giveaway.
ReplyDeleteSharing a phone number after an accident in not necessary
ReplyDeleteI didn't realize that your license # is so important that your license number is the most common way to confirm your identity after Social Security number and date of birth.
ReplyDeletei learned that your license number is the most common way to confirm your identity after Social Security number and date of birth.
ReplyDeleteI learned that sharing your phone number after an accident isn't necessary.
ReplyDeleteThirty-eight percent of consumers believed they should share their driver’s license number with the other driver
ReplyDeletelowville04@yahoo.com
I learned what info you have to share, versus what you don't really have to share. Good to know!
ReplyDeleteonecheaplady@yahoo.com
I learned you shouldn't share your driver's license with the other driver.
ReplyDeleteyou shouldn't give personal information with the other driver.
ReplyDeleteI learned that you do not need to exchange phone numbers.
ReplyDeletehelp know what information to swap, i always thought you had to give your DL number but you don't, carawling(at)hotmail(dot)com
ReplyDeleteI learned that it is not necessary to share phone numbers after an accident.
ReplyDeleteLes Johnson
To take some of the guesswork out of a tense situation, the NAIC has developed WreckCheck, a new, free mobile app for iPhone® and Android® smartphones.
ReplyDeletevmkids3 at msn dot com
I learned that you shouldn't need to share info like driver's license # home address or phone number and if you do, you are setting yourself up for potential identity theft.
ReplyDeletes2s2 at comcast dot net
The WreckCheck app would be helpful for guidance in accident situations where many people are not thinking clearly
ReplyDeletes2s2 at comcast dot net
I learned that 29% of survey respondents believed they are required to share personal phone numbers. In fact, sharing your phone number is rarely necessary.
ReplyDeleteLisa Garner
I learned they have a app available.
ReplyDeleteWow I never even considered identify theft as an issue with giving my driver's license number to the other person in an accident.
ReplyDeleteericacarnes(at)gmail(dot)com
I learned that you do not have to share personal info like your phone number.
ReplyDeleteIf I had this app it could walk me through what kind of information to provide in case of accident.
ReplyDeletei learned not to provide personal information
ReplyDeletecb_shorty2003@yahoo.com
I learned that: nearly 20 percent of respondents believe the only reason to call police after an accident is if someone is injured. However, filing a police report can help facilitate the insurance claims process.
ReplyDeleteannemarie562000(at)yahoo(dot)com
identity theft is one of the fastest growing crimes in America
ReplyDeleteBBrittBrat1398@yahoo.com
i learned that you only need to provide name and vehicle insurance information provider when in an accident
ReplyDeletejagar0047 at yahoo dot com
i think it would help keep you focused on what you need to do in a stressful situation
ReplyDeletejagar0047 at yahoo dot com