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How Long Do You Have to Report a Car Accident to Your Insurance Company?

A Skilled Atlantic City Car Accident Lawyer at D'Amato Law Firm Can Fight to Protect Your Rights

After a car accident, you must report the incident to your insurance company. However, many people are unsure about the timeframe they have to do this. Failing to do so in a timely manner could lead to complications, including denied claims.

Most insurance policies require immediate notification, which generally means 24 to 48 hours after the accident. Still, we recommend reporting a car accident to your insurance company as soon as possible. They expect timely reporting to assess damages, gather evidence, and determine liability.

What Happens if I Do Not Report the Accident Immediately?

You risk facing several consequences if you do not report the accident promptly. These could include:

  • Denied claims.
  • Difficulty proving damages or liability.
  • Increased financial liability for the accident.
  • Potential fines.

Failing to report an accident within your insurer’s time frame may also result in a forfeiture of coverage for damages, medical bills, or legal expenses.

What Information Do I Need When Reporting an Accident to My Insurance Company?

When reporting an accident to your insurance company, you need to provide several key details to assist the claims process:

  • Date, time, and location of the accident.
  • Contact information of the other driver(s) involved.
  • License plate numbers of the vehicles.
  • Insurance information for all parties.
  • Description of the accident, including damages and injuries.
  • Any photos, videos, or documentation that supports your claim.

This readily available information can streamline the reporting process and help your insurance company begin the investigation quickly. Stick to the facts, and do not offer extra information or opinions; anything you say could be used against you later.

Do I Need to Report Minor Accidents?

Reporting minor accidents to your insurance company is generally a good idea. Even if damages or injuries appear insignificant at first, they could become more serious later. Additionally, reporting minor accidents can protect you from future claims that the other driver or passengers might make. Your insurance company needs to be aware of all incidents, from minor to major.

Will My Insurance Rates Go Up After Reporting an Accident?

Reporting an accident to your insurance company does not automatically mean your rates will increase. Whether or not your premiums rise depends on factors like who was at fault, the extent of the damages, and your driving history. Many insurance policies offer accident forgiveness for first-time incidents, meaning your rates may not go up if this is your first accident. However, if you are found to be at fault, premiums will likely increase.

Can I File a Claim After Reporting the Accident?

Reporting an accident to your insurance company is the first step in filing a claim. Once the report is made, your insurer will begin the claims process, which may involve investigating the accident, assessing damages, and determining liability. Depending on the results of the investigation, your insurance company will either approve or deny the claim. If approved, they will cover damages as specified in your policy.

What Happens if the Other Driver Does Not Report the Accident?

The other driver’s failure to report the accident to their insurance company could complicate the claims process. However, you are still responsible for reporting the incident to your own insurer.

Your insurance company may contact the other driver’s insurer on your behalf. In some cases, they may proceed with a claim under your uninsured or underinsured motorist coverage if necessary. Always report the accident to your insurer, even if the other driver fails to do so.

A Skilled Atlantic City Car Accident Lawyer at D’Amato Law Firm Can Fight to Protect Your Rights

The dedicated Atlantic City car accident lawyers at D’Amato Law Firm are experienced in handling complex car accident cases and can provide the guidance you need. For a free consultation, call 609-926-3300 or contact us online. Located in Egg Harbor Township, New Jersey, we serve clients in Atlantic City, Linwood, Galloway Township, Cape May, Vineland, Millville, Bridgeton, Ocean City, Woodbury, and South Jersey.