You don’t have to report a minor car accident to your insurance, but it is in your best interest to do so. While reporting a minor crash to your insurer may not be required by law, failure to report could be considered a breach of your insurance policy. This could lead to complications later if the other driver files a claim or if hidden damages or injuries surface after the fact.
Understanding the potential consequences of not reporting can help you make an informed decision. Whether you decide to report or not, you’ll want to consult with a car crash attorney.
A Davie car accident lawyer can help you fight for the damages you’re owed. Let’s take a closer look at reporting a minor car accident to your insurance and how a lawyer can help.
When Should You Report a Minor Car Accident to Your Insurance?
If you’ve been in a fender bender or minor collision, you might be wondering if you have to report a minor car accident to your insurance. Even for minor accidents, it’s generally a good idea to report the incident to your insurer. Many insurance policies require you to notify them of any accidents, regardless of severity, within a specific time frame.
If you’re unsure whether your policy includes this requirement, review your policy terms or contact your insurance provider directly. It’s strongly encouraged that you report the accident if one or more of the following statements are true:
- There is visible damage to your vehicle or the other driver’s vehicle
- Someone involved in the accident is injured, even slightly
- You suspect the other driver might file a claim against you
- There is uncertainty regarding who is at fault
- The accident occurred on private property or involved a parked car
Risks of Not Reporting a Minor Car Accident to Your Insurance
When determining if you should report a minor car accident to your insurance company, it can be helpful to consider some of the potential risks of not reporting the crash. Failing to report a minor car accident may lead to the following issues:
- Policy violation: Failing to report a minor car accident to your insurance provider could constitute a policy violation, which may lead to further issues.
- Hidden damages: Even minor accidents can cause serious damage to your vehicle that may go unnoticed if there isn’t a lot of cosmetic damage.
- Delayed injuries: Injuries like whiplash or concussions can go unnoticed after a crash, only to surface later on. Reporting your crash can help you get the compensation you need to recover from injuries.
- Claims from the other driver: If you don’t report your accident to the insurer, it will leave your insurer unprepared to protect you if the other driver involved in the crash files a claim.
How to Report a Minor Car Accident to Your Insurance
Failing to report even a minor car accident to your insurance can lead to a handful of unwanted outcomes. Fortunately, reporting your accident and filing a compensation claim is relatively simple, especially if you have a dedicated attorney by your side.
Here’s how you can report the accident to your insurer:
- Document the crash scene: Take photos of the vehicles, any visible damage, and the surrounding area after an accident. You should also exchange contact and insurance information with the other driver. If there are witnesses, collect their contact details as well. You can use this information in your car accident report.
- Contact your insurance provider: Most insurers have a claims department or a dedicated hotline for reporting accidents. Contact your provider and give them accurate and detailed information about what happened.
- Submit necessary documents: Your insurer may require you to complete a formal accident report. Be prepared to share photos, repair estimates, and medical documentation of any injuries you suffered in the crash.
- Follow up: Hire an attorney to help you stay in contact with the insurance adjuster. Doing so will ensure the claim process goes smoothly. Your lawyer can provide the insurer with additional information and even negotiate a settlement offer that meets your needs.
How a Lawyer Can Help You After a Minor Car Accident
If you’re still wondering whether you should report a minor car accident to your insurance, you’ll want to speak with a knowledgeable car accident lawyer. An attorney can assess your situation and determine if notifying your insurer and filing a claim is in your best interest.
If you choose to report your accident and pursue compensation, here’s how a lawyer can help you get the best results possible:
- Investigate the accident and gather evidence for your claim
- Gather medical records, accident reports, witness statements, and other important records
- Construct a well-supported insurance claim for you
- Calculate the value of your claim
- Communicate with insurers and negotiate a fair settlement
- Take your case to court if necessary
- Provide high-quality legal advice through your case
- Offer further information on whether you have to report a minor car accident to your insurance
Meet with a Dedicated Car Accident Lawyer for Free
Now that you know whether you have to report a minor car accident to your insurance, it’s time to get the legal help you need to deal with the insurance provider and get the damages you need to move forward with your life.
At Winston Law Firm, we know how difficult it can be to deal with an injury that stops you from working and costs a fortune to recover from. That’s why our Davie car accident lawyers are here to fight for the compensation you deserve.
We’ve won over $60 million for accident victims in the past, so you can rest assured knowing we have what it takes to win your case. Contact us today to schedule a free consultation and learn more about your legal options.
