Many people are not inclined to call either the police or the insurance company after they suffer a car accident. There are two main reasons for this. Primarily, they feel that this will increase their insurance premium amount. They also feel that it is better to settle the issue with the other driver than involve the police because it can be a long and expensive legal case. However, this can have a lot of adverse consequences also. It is always better to report such accidents to the police. This article will elaborate on why you should also make a report to your insurance company.
When can you not report your car accident?
Before outlining why you should report car accidents, you can mention when you can choose not to report them. You may consider not reporting a car accident when it occurs within your property and does not involve any other driver. In such a case, you do not have anyone else to blame, and also, the damage is likely to be minimal that you can cover by yourself.
When should you absolutely report your car accident?
You need to report your car accident to your insurance company and the police in all cases where there is another party involved. If you do not do this, you risk facing a lawsuit yourself, and you have minimal chances of winning this case. It is also important to make a report if anybody gets injured in a car accident.
Why is it important to report a car accident to your insurance company?
This section will outline some important reasons as to why you must report your car accident.
1. You have agreed to report in your insurance policy
All car insurance policies in the USA need you to report your car accident. You need to adhere to these policy terms. You can face a lot of fines if you do not report these incidents. Additionally, your insurance company can refuse to provide you coverage.
2. Damages can be immense
Sometimes you may feel that the damages are not a lot; however, the repairing costs can be astronomical later. So, it is better to report the accident to the insurance company. Reporting to the insurance company will ensure that you can get your coverage in time. It is best to hire an attorney because he can help you file the insurance claims and fight a legal battle with the insurance company if they refuse to pay you for your damages. You can learn more about this issue by searching for insurance companies calling after a car accident on the internet.
It is important to call your insurance company and the police to report a car accident when it occurs. This will save you from a lot of trouble afterward. You can find good lawyers fighting your insurance company if it refuses to pay you for your damages.