If anyone was injured in your vehicle accident, you should definitely report the collision to your insurance company. You’ll want to ensure that your insurance will cover the cost of your injuries in the event you can’t receive compensation under the at-fault party’s coverage.
Contacting Your Insurance Company
When you’re injured in a collision that's another driver’s fault, his policy should cover your damages. However, this coverage is sometimes denied. Even if the at-fault driver’s insurer eventually pays your claim, there are several good reasons to get your own insurance company involved:
- Your insurance policy requires it. Some contracts require policyholders to report any accident they're involved in, regardless of fault.
- You need a rental car. If you need to rent a vehicle until your own car can be repaired, the at-fault driver’s insurance company might be unwilling to pay for one. In this case, you may be able to obtain a rental vehicle through your own policy.
- The at-fault driver’s insurance company is delaying the claims process. Insurance adjusters frequently drag their feet on paperwork and ignore your phone calls in hopes of pressuring you into accepting a low settlement. Filing a claim with your insurance can alleviate this pressure by providing the funds you need to pay your medical bills and repair your vehicle.
- The at-fault driver is uninsured. This is one of the reasons why uninsured motorist coverage is so important. If your collision was caused by an uninsured driver, you’ll have to rely on your own coverage to make things right.
- The at-fault driver’s insurance company denies your claim. If your claim is denied, your policy can cover your medical bills and pay for your car repairs.
If you’ve been injured in a vehicle collision, an experienced personal injury attorney can deal with the insurance companies on your behalf, and help you receive the compensation you deserve. To learn more, contact the law offices of the Scott Ray Law Firm by using the form on this page.