Even if the car accident was not your fault, you should call and report your crash to your insurance company. Here are two good reasons why:
- You might need to file a claim – Your insurer may require you to report your accident within a certain period of time. If you fail to meet this deadline, the insurer may try to deny a claim you file with the insurer such as an uninsured motorist (UM) or underinsured motorist (UIM) claim. You want to preserve your right.
- Get help while your other claim is pending – If another driver caused your crash, you will file a claim with that driver’s insurance company. However, that insurer may take time to accept responsibility or may try to deny your claim. If you initiate a claim with your insurer, you can get a rental and get your car repaired or replaced while waiting to hear from the other driver’s insurer. If your insurer charges you a deductible or a co-pay for a rental, it will be reimbursed when the other insurance company pays your insurer.
When you work with The Law Office of David E. Gordon, we can help you to report your accident and/or file a claim with your own insurance company.