what to do if you caused a car accident do you have to call your insurance

Yes, yous should phone call your insurance company if you were in a car accident that was non your mistake. In that location are two main reasons for this. Start, your insurance visitor may require yous to contact them as outlined in your policy. Second, y'all may detect bachelor coverage to help you with your amercement, even if the blow is not your error.

Before contacting your insurance company, you lot may want to consult an auto blow lawyer in New York. An attorney can propose you on what to do afterwards the accident , how to contact your insurance company, and what data yous should provide. Your lawyer can also submit your claim on your behalf if you are recovering from injuries.

Why You lot Should Contact Your Insurance Visitor

There are several reasons why you lot should telephone call your insurance subsequently a car blow that was non your fault, such equally:

New York Is a "No-Fault" Insurance Country

When it comes to auto insurance, New York is a no-fault state, which means that your insurance company volition reimburse you for damages regardless of who is responsible for your motorcar accident, every bit antiseptic past the New York State Department of Financial Services.

Per the New York State Department of Motor Vehicles , you are required to acquit a minimum corporeality of coverage that includes:

$25,000/$50,000 for bodily injury/death per person
$l,000 /$100,000 for actual injury/death for 2 or more people
$ten,000 for holding damage per accident

Your insurance policy may also contain other types of coverage or benefits that aid you after an motorcar accident. Bank check with your provider to find out what coverage is in your policy.

Your Insurer May Require Yous to Contact Them

Virtually every provider requires you to contact them if y'all have been injured or your vehicle has been damaged. If you lot fail to contact your insurance company, yous may be penalized by a rate increase. The company may also cancel your coverage, citing that you failed to contact them.

Faster Automobile Repair and Medical Benefits

If yous are waiting for the other driver's insurance visitor to pay for your car repair, you may be waiting for several weeks or months. By contacting your insurance company, you may be able to arrange to get your car repaired faster and get on the route more than rapidly.

You lot may also take to pay out-of-pocket for some medical services. Contacting your insurer may give you access to coverage for medical treatment faster than waiting for the other driver'due south insurance visitor to compensate you lot.

Data You lot Should Provide Your Insurer

When you contact your amanuensis, you lot should exist prepared to provide the information you collected such every bit:

Contact data (proper noun, accost, phone) of all parties involved in the auto accident
Insurance policy information of all drivers involved in the accident including the driver's proper noun, insurance provider, and the policy number
The police enforcement agency (sheriff, highway patrol, metropolis police) that arrived on the scene of the accident
Location, time, and engagement of the accident
Details near the damage or your injuries, and, if possible, take photos or videos of the property and impairment and your injuries

Make sure the information y'all provide to the insurer is clear, concise, and accurate. If in that location are any discrepancies in the information, information technology could work against your personal injury instance. Provide only the facts and nil else.

How Your Machine Accident Attorney Can Aid You With Your Merits

Ideally, information technology is best to consult a car accident lawyer in New York before you speak with your insurance company. Your lawyer can assistance yous with all communication and advocate on your behalf. An experienced lawyer understands the claims procedure and the legal organization in New York. As such, they know how to navigate your claim.

Your attorney can investigate your claim to assess what happened and who is at error for your injuries. They tin can too obtain evidence of fault and liability, calculate your damages, and negotiate a fair settlement. A police firm tin can manage your entire case while you lot are recovering from your injuries.

What Your Insurance Might Pay if Someone Hit Your Car

Depending on your insurance coverage for your auto insurance policy, you should be covered, up to your coverage limits, whether or not you lot're at-fault. Y'all can add whatsoever of the following coverages to your policy for fiscal compensation:

Collision Coverage

When two cars crash, you striking an object or rollover, your collision insurance steps in to aid pay for out-of-pocket expenses to your auto, whether or not you were at-fault

Comprehensive Coverage

Comprehensive insurance covers damage to your vehicle that happens from an incident that isn't collision related such as storms, fires, floods, theft or vandalism.

Liability Coverage

Liability coverage tin can help pay the costs of damages and injuries to others if there is an accident and you were determined at-error.

Medical Payments Coverage

You can get help paying medical bills for you, your family and the passengers in your motorcar when yous're involved in an accident. You'll also have protection if you were hit as a pedestrian.

Uninsured Coverage

These coverages tin help pay for damages caused past drivers who either don't accept insurance or don't have enough insurance to encompass the costs.

New York Statute of Limitations for Car Accident Claims

After contacting your insurance, your motorcar blow lawyer can advise you of any relevant New York state laws that could affect how much compensation you receive and if yous have time to file your lawsuit.

Co-ordinate to New York Civil Constabulary §214.iv , victims of personal injury claims accept three years from the appointment of their accident to file a claim with the court system. Your attorney tin suggest you of any circumstantial factors that could extend this statute of limitations for your case.

Contact Morelli Law House Later Your Car Accident

No matter the circumstances, you should contact your insurance if y'all were in a car accident that was non your fault. Then contact Morelli Law House . Our legal team has the resources and staff necessary to handle your example. We fight to protect your rights and assist you lot get the compensation you deserve for your amercement.

To find out more about your legal options, call our law firm for a gratis case review.

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Source: https://www.morellilaw.com/faqs/should-i-call-my-insurance-if-a-car-accident-was-not-my-fault/