How To Notify Your Car Insurance Company When You’ve Had An Accident
It must be remembered that however minor or severe the accident you have had, the first thing for you to do is to contact your car insurance company and inform them of the mishap.
Even if you are not responsible for the accident, do not hesitate to notify them over what has transpired. If the accident is minor, you may consider letting it go because you do not want the incident to cause an increase in the premium for you and preferably you would obviously like to keep your car insurance quote low.
However, there is nothing to fear if you are not at fault, as your national laws protect you from paying a forced higher rate. In such a case the other driver’s insurance company will have to bear the costs of repair. Therefore, regardless of whose fault or how severe the case might be, it is advisable to call your car insurance company immediately no matter where you are.
You will find a telephone number on the policy documents that will help you contact your car insurance company. Some insurance companies may also require you to give a written application, along with the accident details. So make it a point to collect all the necessary details of the other driver – including the name and phone number of the insurance company he or she is using.
Also, remember to jot down the license plate number, as this will help you get an accident report from the police, as well as make it easier for your insurance company to locate the other party when filing the claim. An accessing agent will examine the scene of the accident and how the events turned out and then tell which one of the two drivers was at fault. According to this report the car insurance company of the benefactor will file a claim against the other party.
In case you fail to inform your car insurance company in time, you may lose the opportunity of receiving a claim and will have to foot the bill of all the repair charges from your own pocket. Later, when your car insurance company finds out about the accident, they may increase your premiums. Therefore, to avoid unnecessary expenses and preventing yourself any trouble, notify your car insurance company immediately and let them take it up from there.