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Minor Car Accidents: Does The Insurance Company Need To Know About Them?

Silver Car With Severe Front End Damage

Car accidents are a very common occurrence. However, not every car accident is serious. Most, in fact, are very minor, barely reaching the level of a fender bender. If you’ve been involved in a minor car accident, then you might be wondering if you must tell your insurance company about your wreck. Because dealing with insurance companies can be so stressful, it’s common to want to avoid informing them after you’ve been in a non-serious auto accident.

Read about the situations where you must inform your insurance company about a car accident and learn when you need to hire a car accident lawyer.

Notification Timeframe

The biggest factor to examine when you’re trying to decide if you should notify your insurer of an accident is if a claim is likely in your case. If you think you might eventually file a claim against your insurance, or if it’s possible that a third-party will file a claim, then you need to be sure to inform your insurer about your accident. If you file a claim without having told your insurer about your wreck, it’s likely your coverage will be denied.

When an accident is likely to result in a claim against your insurance policy, you need to contact your insurance company and tell them about the accident within 72-hours of when the accident occurred.

When You Must Notify Your Insurer

There are certain situations where you absolutely must report an accident to your insurance company without delay.

First, any car accident that results in injuries, no matter how minor, needs to be reported to your insurer. These injuries can be to yourself or to any passengers that were in your car when the accident took place. Second, if your accident resulted in major property damage, you need to tell your insurance company about the wreck as soon as possible.

Both of these situations is likely to lead to an expensive insurance claim, and possibly a personal injury lawsuit, which is why your insurance company must be alerted.

Dealing with Your Insurance Company

If you decide to report your accident to your insurance company, there are a few things that you need to be prepared for. Understanding how to deal with your insurance company will make the claims process much easier and more expedient.

Be as forthright as you can when discussing your car accident with your insurance company. Fully detail the circumstances of your accident and any injuries that occurred. This is particularly important if you’re filing a first-party claim. However, if you’re speaking with someone representing a third-party, you should be sure not to reveal any information that could be used against you. If you’re having trouble deciding what information to disclose, consult with a car accident lawyer.

Protect Yourself with a Car Accident Lawyer

Dealing with an insurance company after a car accident can be very stressful, even if you weren’t at fault. To make sure your interests are represented, you should hire a car accident lawyer from Harris and Graves, Personal Injury Attorneys.

We have experience dealing with car accident cases of all levels, and we can make sure you are protected and that any claims you file are successful. Get in touch with a Harris and Graves car accident lawyer today to learn how you should proceed after a minor car accident.