Under the terms of your insurance policy, your insurance company is required to provide a defense to you — free of charge — if a claim is brought against you. To have the benefit of any of these coverages on your policy, you are required to report the accident to your insurance company. You must do this within a reasonable amount of time.
If you do not, your insurance company is permitted to deny coverage. Do not fall into the trap of believing that notification is not necessary because the at-fault party should pay your claim. There is a type of insurance coverage available to you through your own insurance carrier that does not require you to notify your insurance company of an accident within a reasonable amount of time.
If the at-fault driver in your accident either does not have insurance or does not have enough insurance to cover your loss, then this type of coverage may provide a source of payment.
Although you should promptly notify your carrier of the accident, you should be careful what you say when you call. Tell them that you were involved in an accident and give them general background information, including the date, time, location of the accident, and names and addresses of all parties involved. But it is best not to discuss the issue of fault until you have consulted with an attorney.
Politely decline to give a recorded statement until you feel better. In sum, it is important to report any accident to your insurance company promptly in order to avoid giving your insurance company a basis for denying coverage that may otherwise be available to you, but it is equally important not to discuss the issue of fault with anyone until after you have sought the advice of an attorney.
How long will it take to settle your personal injury case? You must provide the following details to anyone with reasonable grounds for asking:. If you don't exchange these details at the scene, you must report the accident at a police station or to a police officer as soon as you can, and in any case, within 24 hours. Contact the police, but do not admit any liability or sign any documents other than the European Accident Statement, of 'Constat Amiable'.
If you're unable to drive your car, contact your insurer immediately. If you can drive, you can wait until you're back in the UK to tell your insurer, as long as that's within two weeks of the accident. Read more about how to claim for a car accident abroad. If another person is injured in the accident you must also produce your certificate of insurance, if anyone at the scene has reasonable grounds to see it.
This must be within 24 hours. You must do this within seven days of the accident. If you have any doubts, we advise you to complete the above steps as soon as the accident happens, regardless of who was at fault. Failure to do any of the above can mean two criminal offences are being committed: failure to stop, and failure to report.
It's possible to be guilty of either or both. The court also has the power to disqualify you from driving for either offence, and is likely to do so when both offences are committed on the same occasion. Read what to do in the event of an accident, and why. W Which? Credit score Excellent Good Average Poor Using your auto insurance provider.
Call your auto insurance provider no matter what. On a similar note Dive even deeper in Insurance. Explore Insurance. Get more smart money moves — straight to your inbox. Sign up.
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