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How long do you have to report an automobile accident to the insurance company?


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2006-12-18 22:44:16
2006-12-18 22:44:16

Depends on whether it is YOUR carrier or the carrier of another at-fault driver. Auto policies state, in some form, under Collision and Comprehensive (sometimes now termed "Other than Collision"), that you must report the accident to them in a reasonable amount of time: the language can vary and can state "as soon as possible", "within a reasonable time period", "within 30 days", etc. They can and sometimes DO deny coverage if you've not complied with this. The reason they will deny is because a damaged car is more likely to sustain additional damage: rust, leakage, loose parts falling off, sometimes more prone to subsequent accidents (dependent on the type and location of damage). If you are NOT at fault, but fail to report your damages promptly, or make your car available for inspection promptly etc, the insurance CAN deny your claim. They are not likely to if there is truly damage they are responsible for, but they can, and are within their legal rights to, reduce the amount of your claim if failure to repair your damage in a reasonable amount of time (called "mitigating" your damages) increases the amount needed to restore you to pre-loss condition.

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When people have accidents in their automobile and someone is injured it is required to report it to the police and to their insurance company. This is because the injured person may need a doctors care and the person responsible for the accident is the one that will be required to pay through their insurance company.

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Report the claim anyways. Tell the truth and let the insurance company decide how to proceed. Remember, if you are paying for the insurance, you should expect claims to be paid if you have the coverage.

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never, even in the case the accident falls under a certain limit you should report the accident to allow your insurance company to protect you and itself.

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Call the police and get a police report. Call your insurance company and report it to them asap.

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If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.


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