Overview of Car Accidents
Statistically, all drivers are likely to get involved in a car accident about once every ten years.
Do you know the do’s and don’ts of contacting your insurance provider after a crash? Keep reading to get a better understanding of this important topic.
When Should I Notify my Insurance Company About a Crash?
Around seven out of 10 crashes involve another vehicle. It’s tempting to try to work out a deal with the other party and avoid calling the police and insurance companies. Keep in mind that these types of deals rarely work out to the victim’s benefit. Instead, it’s advised that you contact your insurance company when any of the following factors are true in your situation:
- Another vehicle was involved
- There are potential injuries
- The property damage is significant
Notifying your insurance company is important because it protects your right to compensation. If you choose to make a private deal with the other party, then it can become very difficult to prove that person was at fault or even involved in the crash.
The only time that you don’t need to notify your insurance company about an accident is when it was a one-car event where there were no injuries and very minor damage.
What Your Insurance Company Needs to Know
So, you’ve made the decision to reach out to your insurance company. What types of things do you need to make sure to tell them about the crash? Here’s a checklist of information you’ll need to provide:
- The date and time of the accident
- The damage to your vehicle
- Specifics about the collision
- Any immediate injuries
You must notify your insurance company about the crash within a reasonable amount of time after the accident occurred. Otherwise, you may forfeit your rights to coverage.
What Not to Say to Your Insurance Company
It’s important to be as honest as possible with your insurance company when telling them about the accident. There are some things, however, that you don’t want to say because it can be used against you later. Here are a few things that you should never want to say to your insurance company after an accident:
- I’m not injured
- My injuries are not serious
- The accident was my fault
- This is my official statement
- I accept your settlement offer
Any of these admissions could impact any future compensation claim.
Contact a Clifton Personal Injury Lawyer to Discuss Your Car Accident Insurance Claim Case in New Jersey
Did you or a loved one sustain serious injuries due to a motor vehicle accident in New Jersey? Don’t let the medical bills pile up while you wait for the negligent party or their insurance company to do the right thing. Right now, you need an aggressive personal injury attorney on your side, fighting to get you the compensation you need, want, and deserve. The skilled attorneys at Silverman & Roedel represent clients injured because of car accidents in Paterson, Wayne, Newark, East Orange, Garfield, Hackensack, and throughout New Jersey. Call 973-772-6411 or fill out our online contact form to schedule a free consultation about your case. We have an office conveniently located at 1187 Main Avenue, Suite 2C, Clifton, NJ 07011.
The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.