Many people immediately worry about what’s going to happen to their insurance premiums when they’re in an accident. Are they going to get dropped? Are they going to see their rates skyrocket? The anxiety is sometimes enough that they wonder if the accident is minor, whether they should just not report it.
The truth is, not reporting an accident can lead to even greater troubles down the road. Learn why it’s always a good idea to inform your insurance company of a car accident, and why you should talk to a car accident lawyer.
When to Report an Accident
You should report your accident to the insurance company any time there’s a remote possibility of a lawsuit or claim that could result. This especially means whenever there’s property damage or injury to someone else. Even if the other driver says it’s nothing and not to worry about it, they could change their mind at any time.
Likewise, you may be injured and not realize it until days later. If you do get hurt in an accident, you may have to file a claim to pay those mounting medical bills. In the end, any time you’re in an accident, no matter how minor it seems, there’s a chance you might have to tap into your insurance, so you should contact the company.
The Consequences of Not Reporting
Usually, you have up to 72 hours to report your accident to your insurance company. However, your individual policy may have specific stipulations and you should review them to make sure you stay in compliance.
Not reporting could result in you being denied coverage for the incident, or worse, being dropped entirely. It’s not a risk that’s worth taking.
What Should I Say?
When you talk to your insurance, just be honest and clear about the details of what happened. Don’t leave anything out, but don’t exaggerate anything, either. Don’t try to spin things to make it look like you were less responsible than you might be, but don’t feel obligated to take responsibility, either. Stick to the clear facts of what happened.
You may be called by the other driver’s insurance company. If this happens, do not volunteer any information. It’s likely they’re looking for reasons to avoid paying damages. Never sign anything, and don’t be afraid to refer them to your attorney.
Talking to a Car Accident Lawyer
Any time you’re in an auto accident it’s a good idea to call a car accident lawyer. An attorney can make sure that your rights are protected and help you pursue a claim to collect damages for the injury you have suffered. Insurance companies will fight to avoid paying damages, and you need someone in your corner who can fight back on your behalf.
At Heuser & Heuser, we’ve spent many years helping people who have experienced others’ careless behavior recover compensation for the injuries they’ve suffered. We’re ready to help you as well. Get in touch with us today for a no-cost evaluation of the details of your case.