Compare Car Insurance Quotes

In 3 Minutes, Save 32% on Average. Compare Quotes from 50+ Providers for Free!

car accident

If you are involved in a car accident, you should call your own insurance company to report the accident, regardless of who is at fault. Your insurance company will guide you through the process and help determine if you need to contact the other party’s insurance company. It is important to remain calm and not admit fault to the other driver or law enforcement, as this information can be used against you in determining fault and liability.

What Does the Insurance Company Need in the Event of an Accident?

In the event of an accident, an insurance company will typically require the following information:

  1. Details of the accident, including time, date, location, and circumstances.
  2. Information about any other drivers involved, including their names, addresses, license plate numbers, and insurance information.
  3. Information about any witnesses to the accident.
  4. Photos of the damage to all vehicles involved.
  5. A copy of the police report, if available.
  6. Your account of what happened, including any statements you made at the scene.
  7. Any medical bills or reports related to injuries sustained in the accident.

This information will help the insurance company determine who is at fault and the extent of damages, allowing them to process the claim efficiently.

What Happens If You Don’t Report the Accident to Your Insurance Company?

If you don’t report an accident to your insurance company, it could have serious consequences, including:

  1. Voiding your insurance coverage: Most insurance policies have a requirement to report accidents within a certain time frame. Failure to do so may void your coverage and leave you responsible for paying for damages and injuries.
  2. Delaying the claims process: Reporting the accident promptly allows the insurance company to start investigating and processing the claim as soon as possible. Delaying the report could slow down the process and potentially affect your ability to receive compensation.
  3. Negative impact on future insurance rates: Insurance companies use accident reports to assess risk and determine future premiums. Not reporting an accident could lead to higher rates or even denial of coverage in the future.
  4. Legal consequences: In some states, failing to report an accident is a criminal offense. Depending on the circumstances, you could face fines or even imprisonment for not reporting an accident.

Therefore, it’s important to report an accident to your insurance company as soon as possible to protect your interests and comply with the terms of your policy.

know the rules

How does car insurance work when its not your fault?

When an accident is not your fault, the insurance process works as follows:

  1. Report the accident to your insurance company: Contact your insurance company as soon as possible to report the accident and provide them with the details of what happened.
  2. Contact the other driver’s insurance company: Provide the other driver’s insurance company with your insurance information, so they can start the claims process.
  3. File a claim: You can file a claim with either your own insurance company or the other driver’s insurance company, depending on the laws in your state and the terms of your policy. Your insurance company will act as a liaison between you and the other driver’s insurance company to resolve the claim.
  4. Provide documentation: Your insurance company will likely ask for documentation related to the accident, such as photos of the damage, a copy of the police report, and any medical bills related to any injuries.
  5. Receive compensation: Once the claims process is complete, you should receive compensation for any damages or injuries incurred as a result of the accident. If the other driver is deemed at fault, their insurance company will typically pay for your damages.

It’s important to note that not all states follow the same process and some may have different requirements. It’s a good idea to review your insurance policy and understand your rights and responsibilities after an accident.

How long do you have to call your insurance company after an accident?

The amount of time you have to report an accident to your insurance company varies depending on the terms of your policy and the laws in your state. In general, it’s recommended to report the accident as soon as possible, as some insurance policies may have time limits for reporting claims.

For example, some insurance companies require policyholders to report accidents within 24 hours or a few days, while others may give a longer timeframe of a few weeks or even a month. It’s best to check your policy or contact your insurance company to find out their specific requirements.

In any case, the sooner you report the accident, the sooner your insurance company can start the claims process and help you get the compensation you’re entitled to.

Whose insurance pays in a car accident?

Whose insurance pays in a car accident depends on several factors, including the laws in your state, who is at fault for the accident, and the type of insurance coverage each driver has.

  1. Fault-based states: In fault-based states, the insurance company of the driver who is determined to be at fault for the accident pays for the damages and injuries sustained by the other driver.
  2. No-fault states: In no-fault states, each driver’s insurance company pays for their own policyholder’s damages and injuries, regardless of who caused the accident.
  3. Uninsured motorist coverage: If the other driver is at fault and doesn’t have insurance, your own uninsured motorist coverage can help pay for your damages and injuries if you have this type of coverage.

Ultimately, the insurance companies involved will investigate the accident, determine fault, and decide who is responsible for paying the damages and injuries. It’s important to have adequate insurance coverage and to understand your rights and responsibilities in the event of an accident.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.