Yes, you are required to report your car accident to your insurance company. This is not because of any “state” law, but your insurance contract with your vehicle insurer requires that you report a car accident very soon after the collision.
The reason for that is if the company is made aware of the accident, the sooner it can attempt to investigate or defend a claim. If you do not report the crash within a reasonable amount of time, your insurer may deny coverage. A reasonable amount of time may be a little as one or two days after the accident. It depends on the circumstances. For instance if you were seriously injured and hospitalized, it may take you some time to let the insurance company know about the crash and the outcome.
Even if your accident only resulted in minor injuries and very little damage to your vehicle and you do not think it is a reportable accident, it is best to still let your vehicle insurance company know to ensure your carrier provides coverage for the accident if you “do” need it later. Additionally, you need to connect with your insurance agent if you believe the other driver was at-fault for the collision and that you want to pursue an insurance claim. This is a wise course of action, as there may be benefits available to you via your own policy that you may need to access.
Just because you feel the other driver was the one who caused the accident, it does not mean that individual’s insurance company is going to agree. Remember, you need an insurance company to provide the authority for repairs to your vehicle. If they are disputing fault, they may not want to agree to the repairs. You might need to rent a vehicle. Both those scenarios may possibly involve your own insurance company paying for repairs and a rental vehicle. However, that can only happen if they are aware of the accident, so reporting it no matter how big or small is the best course of action.
The other situation where it becomes crucial to have reported the accident is in a situation where the other driver does not have “any” car insurance. In a case like that, you may be able to access compensation from you uninsured motorist coverage.
The other very important reason to alert you car insurance company is if you sustained injuries, no matter how minor you may think they are. Injuries sustained in a car accident often turn into more serious ones over time and if you do not let your insurance company know you were hurt, you may not be able to invoke your insurance coverage and you may not receive reimbursement for any medical, therapeutic or ER costs.
When in doubt, call your insurance agent.
Other Auto Accident FAQs:
- A big rig hit me, and police are citing the trucker and saying it was his fault. What are my rights?
- After my car accident, the other driver’s insurance company refused to pay my doctor’s bills. Why did they do that? The other driver was cited as being at-fault for the accident.
- Am I required to notify my insurance company of the fact that I was involved in an accident?
- Am I supposed to call the police if I have been involved in a car accident?
- Am I supposed to talk to the police when they arrive on the scene of an accident, or do I have to call an attorney first?
- An insurance adjuster for the other driver called me and wants a recorded statement? Should I go ahead and provide them with one?
- An insurance agent for the at-fault driver called me the other day and wanted to ask a bunch of questions. Is it okay to talk to the agent?
- Are there any other distractions while driving that I should be aware of and avoid?
- Can I file a claim for compensation, after a car crash where investigation showed my vehicle was defective?
- Do I have a case if I was involved in a car accident and was a passenger?
- Do I have to go to court and talk about my accident? I really don’t want to do that.
- Do I have to go to court if I choose to file a personal injury lawsuit after my car accident?
- Do I need to call the other driver’s insurance company and inform them of the accident?
- Do I need to hire a lawyer after a car wreck? And if so, when?
- Do I need to hire an attorney right after the accident, or can I wait until later and I have spoken to the insurance company?
- Do I really need to hire a lawyer? Can’t I just handle the insurance company issues on my own?
- Doctors at the hospital where I was taken after my accident said I needed treatment for my injuries. I not have health insurance or insurance of any kind. What do I do?
- How can I figure out the value of damages after my car accident?
- How do I even know if I have a successful accident claim?
- How do I know if I can file a lawsuit against the other driver involved in my accident?
- How much money can I expect in a settlement offer?
- I cannot pay the medical bills as a result of the accident I was in. What am I supposed to do?
- I felt fine after my car accident and refused medical treatment. Several days later I began experiencing pain in my neck and back. What do I do now?
- I have been involved in a collision. Is there anything I can do to protect or preserve the evidence?
- I immediately notified my insurance company about an accident that I was involved in. What else am I supposed to do?
- I need to see a doctor after being involved in an accident. What am I supposed to tell them and what do I need to be aware of?
- I really need to get on with my life after my accident. How long does it take for accident claim to be settled or go to court?
- I rear-ended another car, but my SUV was pushed into the one in front of me by another vehicle. Am I considered to be the at-fault driver in this case?
- I think I was partly to blame for my car accident. How does that affect my case?
- I was a passenger in a car involved in a crash and was injured. Do I have a legal claim?
- I was hit by another driver ramming into my vehicle after hitting a pothole. Who is responsible for an accident like that?
- I was in a bad car accident and the doctor says it’s going to take a long time to heal and I may need surgery. What would my accident claim be worth?
- I was in a bad car accident in Texas about a year and a half ago. Can I still file a lawsuit?
- I was in a car accident and got really lucky. There was hardly any damage to the vehicle. However, I did sustain injuries. Does lack of vehicle damage affect any claim I may have?
- I was in a car accident and was not really hurt, but my wife says I should see a doctor anyhow? Do I need to?
- I was in a multi-car accident. Do I have to call all the insurance companies?
- I was in an accident that broke my pelvis in several places and need more than one operation to be able to walk again. My husband was the driver and he was at fault for the accident. Can I sue him?
- I was injured in a car accident about a week ago. The other driver’s insurance adjuster called me and asked for my medical records. Should I provide them?
- I was involved in a bad accident that sent several people to the hospital. The crash was my fault. Am I entitled to any compensation?
- I was involved in a bad accident when another vehicle rear-ended me. I’ve been getting phone calls from the other party’s insurance adjuster. What do I tell them?
- I was involved in a car accident and broke my leg and several ribs and need surgery. Do I need an attorney to help me get compensation for my medical bills?
- I was involved in a car accident last week, but it was not my fault. I was injured and went to hospital. What do I do now?
- I was involved in a collision with another car. Do I need a personal injury attorney to deal with this accident?
- I was involved in a fairly serious car accident. What compensation may I receive from the at-fault driver?
- I was involved in a hit and run accident. What do I do?
- I was involved in a recent car accident. How long does it take to file a claim?
- I was rear-ended and the other driver said it was my fault. How is that possible since he ran into me?
- I was recently involved in a car accident. How long do I have before I can pursue my legal options?
- I was recently involved in a collision with another car. I was not wearing a seat belt. Am I still able to recover damages?
- I was T-boned by a drunk driver. Can I file a lawsuit?
- I was the victim of a driver who fled the scene of the accident. The police have no idea who the individual was. May I claim compensation?
- If I decide to file a lawsuit against the other driver in the car accident I was involved in, how long does it take to get it settled?
- Is there a statute of limitations on when I can file a car accident claim?
- It looks like the damages from my car accident are greater than the insurance coverage of the at-fault driver. What do I do in a situation like that? Can I still collect damages?
- My daughter was in a car accident and the police told her she was responsible for the accident. The insurance company said she was not. What factors deem someone responsible for a car accident?
- My insurance company is offering me a settlement as the result of an accident I was involved in. Should I take it?
- Our family was in a bad accident with a tractor-trailer unit. The cause of the accident is not clear. What do we do?
- The accident I was in was pretty mild and I didn’t really get hurt. However, months later I started having some serious issues with my back. It turned out I had a damaged disc due to the impact. How can I file a lawsuit?
- The accident I was involved in was partially my fault. Am I still able to file a claim?
- The offer the insurance company is presenting to me seems reasonable. Do I need to speak to an attorney?
- The other driver involved in my accident said his insurance company would probably call me. Am I supposed to talk to them?
- The other driver was at-fault for the accident. What happens now?
- The other driver’s insurance agent called me. What do I tell him?
- The police say I was partially at fault for my accident. What does that mean for financial recovery for my injuries?
- What is the seat belt law in Texas for adults and children?
- What types of damages would I be able to recover in a car accident?
- What would my accident lawsuit be worth?
- When am I supposed to report my car accident to the insurance company? Or if it’s a minor accident do I need to report it?