Car accidents can happen in the blink of an eye, often causing serious
damage to your vehicle and your body. Fortunately, despite the type of
stress they bring, many car accidents turn out to be minor. If you’ve
been in a minor car accident, then you probably want to put it behind
you and move on with your life, which is why you might be wondering if
you have to tell your insurance company about the accident.
While it’s always a good idea to tell your insurance company about
a wreck, there are some situations when they need to be contacted immediately.
Find out why you need to contact your insurance company after a minor
car accident and learn if your wreck requires hiring a car accident lawyer.
When to Contact Your Insurer
If you’re not familiar with the intimate details of your insurance
policy, then you might be unaware that there is a time limit for notifying
your insurance company after accident. Although the time limit isn’t
standard, you typically only have a 72-hour window to tell your insurer
about your accident. Once this period has expired, your insurance company
will most likely deny any claims that you make related to the accident.
Information Your Insurer Must Have
The circumstances of your accident will help you determine if your insurer
needs to be informed about a car accident. Obviously, serious wrecks should
always be reported, but there are certain situations when even minor accidents
need to be submitted to your insurer.
First, you need to contact your insurer if an injury occurs during your
accident. This includes injuries to yourself, any passengers in your car
and everyone in the other vehicle. Second, if your wreck involves property
damage of any kind, you must tell your insurance company. Finally, if
you are certain that either you or a third party will file a claim against
your policy, your insurer needs to know.
If your wreck involves any of these issues, contact your insurance company
Preparing to Deal with Insurance Companies
Many people are fearful of the prospect of talking with their insurance
company, which can sometimes lead to them providing incorrect or incomplete
information. However, you need to be sure you are completely honest when
telling your insurer about your accident. Without the right information,
your insurer cannot properly fill your claim or a third-party claim.
The exception to this is when you are communicating with the other driver’s
insurer or attorney. Although you shouldn’t misinform them, you
should be careful about what you tell them. It’s a good idea to
consult a car accident lawyer before you release any information about
your accident to an insurer other than your own.
Retain a Car Accident Lawyer
Almost every car owner dreads the possibility of dealing with their insurance
company, even if they were completely faultless in their accident and
deserve their claim. If you want the best possible chance of receiving
your claim after any car accident, you should hire a car accident lawyer from the
Dunnion Law Firm to handle your case.
The Dunnion Law Firm team has experience with car accident cases and dealing
with insurance companies, and we are ready to represent your interests.
Learn more about our services today.