If I Was In A Car Wreck, Should I Call My Insurance Company?

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 & Elissa M. Coombs, we can help you to report your accident and/or file a claim with your own insurance company.