What should I tell insurance company after an accident?

If you’re wondering what you should tell your insurance company after an accident, rest assured that this is a common question. This isn’t a situation, most people have to face every day and there’s a good chance you’re dealing with a number of other issues such as injuries and vehicle damage at the same time. On top of this, you are probably already shaken up by the accident itself and really just hoping to get your life back to normal. Talking to your insurance company might get you started on the right path, but you should also contact Harville Law Offices to help you navigate a stressful process.

Inform Your Insurance Company

After a car accident, it’s important to inform your insurance company and let them know that there will be a claim against your insurance. You can also let them know whether or not a police report was filed. However, anytime you are in an accident, you need to contact the police and make sure a full report is filed. If you aren’t going to file a claim with your insurance company, you may still need to inform them when there is an accident because of an existing transparency clause in your policy. If you don’t know if you are required to inform them, now is a good time to examine your car insurance policy. However, when there is a police report filed or a ticket issued, the state may inform your insurance company as a means of requesting validation that you are insured.

Ask About Assistance

If you happen to have full coverage, you may be able to get some immediate help from your insurance company in the way of a rental car or other benefits part of your policy. If this is part of your policy, you may want to take advantage of it while your own car is worked on or inspected. You can also ask questions about the details of your policy so that you know exactly where to take your car and what your insurance company expects from you. Some insurance companies list specific mechanics to work on your car in order to cover the expenses.

Discuss Continued Coverage

Now is a good time to talk with your insurance company about continued coverage. You may need to take the coverage off of your existing vehicle if it is totaled, but you might still retain coverage for yourself. Some insurance companies insure the driver, rather than the vehicle so that whatever you drive is covered. Others insure the vehicle itself. In either case, now is a good time to make adjustments so that you don’t end up spending more than you need to in the future.

Because car accidents vary and the specifics of your case, you may want to contact a lawyer if you have questions about notifying your insurance company. The attorneys at Harville Law Offices are experienced in car accidents and dealing with insurance companies. We can help you figure out the best way for handling both, according to your particular situation. Call Harville Law Offices at (502) 245-2333 or contact us online for a consultation.