What Happens If You Don’t Call Your Insurance Immediately After a Car Accident?

(Photo credit: freepik)

Accidents can happen anytime on the road, whether minor or serious.

The first step drivers should take is to notify their car insurance provider immediately. However, many drivers think it’s unnecessary if the damage is small or if they can settle privately with the other driver. In reality, not reporting right away may lead to bigger problems than expected.

Risks of Not Calling Insurance Immediately

1. Loss of Claim Rights

Delaying too long may cause your insurer to deny coverage for not following policy terms.

2. Legal Complications with the Other Driver

Without immediate evidence like photos or an official record, proving who is at fault can be difficult.

3. Higher Out-of-Pocket Costs

If the insurer rejects the claim, you may need to cover repair expenses yourself.

4. Impact on Claim History

Late or missing reports can make insurers view you as a higher-risk driver, which may affect future premiums.

Tips for Drivers

• Always call your insurer right after an accident, no matter how minor.
• Take clear photos of the vehicle damage and the accident scene.
• Exchange correct details with the other driver, including license plate and insurance info.

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Read More:  Why Are Car Insurance Premiums Getting More Expensive? Factors Most Car Owners Don’t Realize

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