If you have been involved in a minor car accident, it may not seem like a massive deal. However, we would advise that you still tell your insurance company that you have been involved in a car accident. The main reason for this is because sometimes, what may seem a minor incident can quickly turn into a very serious legal claim. By letting your insurance company aware of the accident immediately, it can help you avoid any potential issues with notification that could result in the denial of your claim.
Regardless of whether you are using your own insurance policy or the other driver’s insurance company, you should always contact and make sure that your insurance company is aware of the accident. If you ever encounter any issues with your insurance company, you can report it to one of our accident lawyers at The Law Place in Florida.
If you have any questions concerning reporting a car accident to your insurance company, you can call us today for a free consultation. Our accident lawyers will be able to answer any queries you have and give you all the information you may need. Call us today at (941) 444-4444.
In This Article
- What Should You Say to Your Insurance After an Accident?
- How Long Do You Have to Report an Auto Accident to Your Insurance Company?
- Does a Small Fender Bender Raise Your Insurance?
- What Do You Do in a Minor Car Accident?
- Call The Law Place
What Should You Say to Your Insurance After an Accident?
It is not unusual for people to get nervous about contacting their insurance company after they’ve been involved in a car accident as they may think they could say something which could damage them if they decide to file a claim. This could happen, but it is important to remember that when you tell your insurance company information about the accident that you assert the facts.
We recommend that when you speak to your insurance company that you explain how the accident happened, who is involved, describe any property damage, and state whether there were any witnesses. If you have suffered any injuries, we suggest that you need to report them to your insurance company and tell them what you know about the injury and the ramifications it may have.
If you receive a call from the other driver’s insurance company, be sure not to tell them too much information concerning your car accident as anything you say may damage you if you choose to file a claim. We suggest that you simply report to their insurance company the basic information concerning your accident, but do not go into a great amount of detail.
Once you have managed to tell your insurance company about the accident and damage caused, you should expect to get a follow-up letter, which explains the details and information of your claim. However, if you do not get this letter, you will need to contact your insurance carrier’s claims office to be certain that your claim has been properly filed.
Regardless of whether you are contacting your insurance company of someone else’s, don’t hesitate to contact one of our accident lawyers at The Law Place for a free consultation. With a combined experience of over 75 years, we will be able to answer any queries or questions you may have concerning your claim or insurance policy.
For a free legal consultation, call 941-444-4444
How Long Do You Have to Report an Auto Accident to Your Insurance Company?
Don’t worry. There is no need to contact your insurance company immediately after suffering a minor car accident. The most important thing to do is check that you’re okay and treat any injuries you have sustained. Although, we would advise that you contact your insurance company relatively soon after your minor accident has occurred.
A lot of insurance policies in Florida use language that can prevent you from using their coverage if you do not report the accident to them within a certain amount of time. Usually, insurance policies set the limit at 72 hours after the accident has occurred, but it is best to check your policy.
Although, sometimes, you may not be able to report or file your claim within this specific time frame. This could be because you have suffered injuries or incapacitation, in which case an exception is highly likely to be made. However, we recommend that it is in your best interest to contact them as soon as you possibly can to ensure that you will be able to make a claim.
If you have any more questions or need any more information regarding how long you have to report your accident to an insurance company, don’t hesitate to call us at The Law Place today. One of our lawyers can offer you a free consultation, and you will be able to seek all the advice and guidance that you may be after.
Does a Small Fender Bender Raise Your Insurance?
There is not a direct answer to this question. Some insurance companies will claim that reporting a small fender bender accident to them, which resulted in no injuries, and you are not at fault that your insurance premium will not rise. However, over sources are less optimistic and suggest that your premium could rise as a result.
Although you may be relieved to hear that according to the Florida Statute 626.9541, your car insurance should not rise if you were involved in an accident unless you were the party “substantially at fault.” The statute does not define what it means to be substantially at fault, but it is commonly understood to mean that a person was more at fault than not.
It essentially means that if you are hit by another vehicle and involved in a car accident, and your insurer raises your insurance rates for using your Personal Injury Protection (PIP), they have broken the law. However, they won’t have if they can prove that you were determined to be the party substantially at-fault.
If you have any further questions concerning whether your minor fender bender could increase your insurance rates, contact The Law Place today to seek the advice of one of our lawyers.
What Do You Do in a Minor Car Accident?
If you are in a minor car accident and have been injured, there are a few things that you need to know.
First of all, you need to know that your Personal Injury Protection (PIP) is nearly always your first source of financial recovery after suffering your accident. Florida PIP laws are stated in Florida Statute 627.736. Additionally, if your lost wages and medical expenses equate to less than $10,000, you could be able to receive your entire claim from your own insurance company.
Although your PIP might not be enough to cover all of your losses and property damage, if you have suffered any serious injuries as a result of your accident, the likelihood is that your medical expenses will well exceed $10,000.
You could also be entitled to further compensation from the driver at fault for causing your accident. This is because if the other driver is to blame for your accident, you could be able to file a fault-based claim with their insurance company so that you can receive additional compensation.
If you are in a minor car accident, your main priority should not be on getting your car back to you or rushing back to work. These are important, but it is paramount that if you have been injured at all that you focus on your recovery and seek all of the medical attention you may require. You will also need to focus on ensuring that you recover the full amount of compensation you are entitled to for your accident.
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Call The Law Place
If you are in a minor car accident, you can talk to one of our lawyers today at Law Place. We can give you honest and unbiased advice on what we believe are the best legal options available to you. If you have any further questions or queries about minor car accident claims, don’t hesitate to phone us, we are available 24 hours a day, seven days a week. Our phone number is (941) 444-4444.