Do I Need to Call My Insurance Company if I’m in an Accident That’s Not My Fault?

Young woman kneels down to look at the damage to the rear-end of her black compact car

If you’ve been involved in a car accident that you know wasn’t your fault, you may wonder whether it’s necessary to alert your insurance company about the incident. Keep reading to learn the answer, plus more.

Reporting Accidents to the Insurance Company

No matter who is at fault for an accident, you need to alert your insurance company of the crash.

Even if you don’t intend to file a claim with your insurance company, you are still legally bound to make them aware of the incident.

It’s a common misconception that you don’t need to tell your insurance company about a crash if it’s not your fault. You don’t have to do it right away, you may wait until you get home or the next day to do so.

The reason your insurance company needs to know about the accident—even if you intend to file a claim with the other driver’s insurance company—is because there might be benefits available to you through your own policy that you may eventually need to use.

Various Possibilities

Just because you think the accident was the other driver’s fault doesn’t mean that their insurance company will agree with you. In order for the insurance company to pay for the repairs to your vehicle, you’ll need them to provide the authority to do so.

In addition, you may need a rental car while you wait for your vehicle to be fixed. Depending on your insurance plan, your policy may cover the costs of a rental car.

If you sustained injuries as a result of the accident, then you may need to recover compensation from your insurance company for your medical expenses. Few people have the means to cover all medical costs associated with car accident injuries.

If you were involved in a car accident and you sustained injuries as a result, Attorney Paul A. Shapiro may be able to help. Our team here at Shapiro Law Firm, P.A. is highly skilled in the area of car accident personal injury law and has helped many other people just like you obtain justice. Let us see if we can help you, too. Don’t wait—contact our office with your case right away.

Call Shapiro Law Firm, P.A. today at (850) 629-7226 for a free consultation.

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