No matter who is at fault for the accident, It is very important that you call the insurance company and report any accident that you have been involved in even if the accident involves damages or injuries. One common myth most people spread is that you do not have to contact your insurance company if the accident wasn’t your fault and this is very false because there are certain coverage on your insurance policy you would consider making use of. Welcome to this article which discusses should i call my insurance company when someone hits me.
If you want to make use of the insurance coverage on your insurance policy then you would definitely need to notify your insurance company of accident that you have been involved in. Come with us as we show you the common insurance coverage that you would need to make use of when you notify your insurance company if someone hits you.
Should I Call My Insurance Company When Someone Hits Me
Collision Insurance Coverage
The first coverage that we would like to talk about is the collision insurance coverage. This comes into play when the insurance company of the driver at fault isn’t fast in accepting responsibility for the accident. You can easily make use of the collision insurance coverage policy that you have to repair your vehicle or even get it replaced. The next thing is for your insurance company to get reimbursement from the at fault drivers insurance company but to make use of this insurance coverage, you must notify your insurer of any accident promptly.
If you fail to notify them then you might end up paying for these repairs or even replacing your vehicle out of your own pocket. Negotiating damage property settlement between you and the insurance company of the at fault driver could also take months as well and while waiting for negotiations to be over, you might have ended up accumulating storage charges for wherever your car is parked.
Towing Insurance Coverage
The next coverage that you might want to make use of is the towing insurance coverage and this sort of insurance would cover up for the cost of towing your vehicle from the scene of the accident and then your own insurance company would seek to be paid back the towing money from the insurance company of the at fault driver. The collision and towing insurance coverage creates an option for you to get the money spent back and the good news is none of these insurance coverage would cause a hike in your interest rates.
Medical Expense Insurance Coverage
This is the type of insurance coverage that can be made use of in paying up for medical expenses if you sustained injuries as a result of the accident and this insurance coverage doesn’t really care about who is at fault for the accident or not. In some states, filing a claim for this insurance coverage would not cause your interest rates to increase as well.
Your Insurance Company Fails In Defending You
The last thing we want to talk about is that the other driver might claim that you are at fault and also move to file a claim against you. Even if you are not the at fault driver for the accident, you also wouldn’t want to pay the cost of defending yourself and based in the insurance policy that you have signed, it is the duty of your insurance company to defend you for free if any claim is brought against you.
If you are ready to enjoy all of the benefits that we have talked about in this article then one thing that you should never miss out on doing if you find yourself involved in an accident is notifying your insurance company. This should be done within a good amount of time and should not be delayed because if you do not notify them or you delay for too long then your insurance company can also move to deny you coverage. Another thing is being careful about the things you say when you call to notify your insurance company.
It is okay for you to tell them you have been involved in an accident and background information as regards the details of the accident and the contact information of other parties involved in the accident should be gathered as well.