If you’ve been involved in a car accident, you should first call your insurance company and report the accident. You should also gather witness information and write down any contact information of the other drivers. Even the smallest detail can be important to the police and your lawyers. You should also call your insurance company and file a report, even if you don’t intend to file a claim. Otherwise, you will lose the chance to get compensation for damages caused by the accident.
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You are not legally obligated to report a car accident to your insurance company when you are the only driver involved. However, if there are no injuries and the damage is minimal, it is still a good idea to call your insurance company as soon as possible. If the accident was your fault, you will probably have to pay the cost of repairs yourself.
Not reporting an accident can make the claims process more complicated. Insurance adjusters may not have seen any property damage immediately after the collision, and they may be suspicious of any claim that is made too late. In addition, some injuries, such as whiplash, may not be visible for days or weeks after an accident. This can prevent you from filing a claim against your insurance carrier weeks later.
Recording weather conditions is an important aspect of car accident law. It helps with accident reconstruction and liability determination. For example, it is critical to document road conditions during a rainstorm or snowstorm. Even if the conditions do not affect the safety of vehicles, bad weather can contribute to accidents.
In an average year, more than two percent of traffic fatalities are weather-related. Snow, fog, sleet, and poor road conditions are known factors in fatal crashes. The Federal Highway Administration describes adverse weather as “conditions resulting in a high or low risk of a car crash.”
During a car accident, the other driver’s insurance company may ask you to give a recorded statement about the accident. You should decline. You have no benefit in giving a recorded statement, and it can hurt your insurance claim. Instead, make sure you get all communications through your own insurance company.
The insurance adjuster will scrutinize your statement, whether it was made to the police or when you filed your claim. If there are inconsistencies, the insurance adjuster may deny your claim. The last thing you want is for the insurance adjuster to find out that you were not injured in the accident. Having all of the relevant medical records will help your case.