There are a number of important considerations to make when determining whether or not to file auto accident claims, including whether there is property damage or bodily injuries, the type of coverage you have, and even the relationship between the parties involved.
Here are situations when you should always submit a car insurance claim:
- When your car is damaged and requires extensive repairs
If your car suffers severe damage in a single-vehicle accident, make a claim. Collision insurance will cover the repair minus the deductible. Repair costs will be your responsibility if you don’t have collision insurance.
After an accident, even if your car is still drivable, it’s still crucial to notify your insurance provider,
even if you decide not to make a claim. A repair company might take care of outward concerns like a dented bumper or fender but omit hidden damage like a bent frame that may lead to issues later. Additionally, you only have a limited amount of time to submit a claim, so make sure to get in touch with your insurer very away.
- When you damage another person’s car
You should always make a claim if you cause damage to another driver’s car in an accident for which you have responsibility.
Exchange contact information, such as names, numbers, and insurance information, along with license and registration information, at the scene of the accident. Take pictures of any paperwork, and notify the police or highway patrol about the collision. As soon as you can, inform your insurer.
Most states mandate liability insurance, which shields you from legal action and pays for at least some bodily harm or property damage that was caused by you. Even if the damage appears to be modest, it is dangerous to report an accident without submitting a claim.
On its website, the Insurance Information Institute states that “failing to report the incident will make it more difficult for your insurer to gather evidence to represent you if anyone else involved in the accident sues you weeks or months later.”
- Whenever someone gets hurt
If there has been bodily harm, you should almost always submit a claim. Obtain each person’s ID and insurance information if there are many participants in the collision. If you are responsible, liability insurance will pay for bodily injury. Several states have deadlines for submitting injury claims, which are typically 30 days.
Some bodily injuries might not be immediately apparent at the scene of the collision. For instance, you might not be aware that an accident aggravated a pre-existing ailment until you receive medical care if you have one. You might have to pay for treatment out-of-pocket if you haven’t submitted a claim within the time period specified by your policy.
After a serious accident, always submit a claim. Your liability insurance will likely pay the other party’s medical costs if you are found liable for bodily damage. Even if you aren’t physically hurt right away, you should still file a claim if you aren’t at fault.