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I Was in a Minor Car Accident, Does My Insurance Need to Know?

I Was in a Minor Car Accident, Does My Insurance Need to Know?

Posted By Dunnion Law || 28-Mar-2017

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 right away.

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.

Categories: Auto Accident