If you are involved in an accident, it doesn’t matter who is at fault – you need to report the accident to your own insurance company. You may be able to file a claim against your policy or that of someone else involved. The first step is contacting your insurance company to let them know what happened. Here are some best practices for reporting an accident:
What Accidents Need to be Reported?
Incidents occur that may warrant a call to your insurance company. But there are a few situations where you really need to call. These include:
· An auto accident where someone is injured or killed
· An auto accident where there is significant property damage
· Someone on your property was injured due to a hazard, dog, or other cause
Notify Your Insurance Company Quickly
Insurance policies often contain details about reporting accidents or filing claims. Some have specific timeframes, while others may say something like “in a reasonable amount of time.” Generally, we recommend reporting an accident within 72 hours of the accident.
Give Them the Facts
When you are reporting an accident, you may be tempted to ramble on your thoughts and opinions to your agent or adjuster. Avoid doing this. What you say may be recorded, and if it suggests who is at fault, the insurance company can use it against you later. Stick to the facts when talking to an insurance agent or adjuster. Give them the facts, including:
· Full name and contact number
· Policy number
· Location, date and time of the accident
· Driver’s license number of all individuals involved
· License plate information for all vehicles involved
· General description of the accident
Answer Questions Directly
When you are speaking with your insurance company, they will likely ask you a series of questions. Answer these questions directly and succinctly. Do not give more information than what is requested, or offer additional information.
Talk to An Attorney
If you are unsure about how to manage to report an accident to your insurance company, you can always get legal advice beforehand by contacting an attorney.
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