After a car accident, many people are unsure of the proper steps to take.
Particularly in “fault-based” insurance states like Georgia,
individuals involved in a car crash often wonder whether or not they should
involve their insurance company. For minor fender-bender type accidents,
it may not seem to make sense to pay a deductible to cover minimal damages.
However, there are many reasons why it is still in your best interests
to contact the insurance provider following an accident. One such thing
to consider is the terms of your policy; many insurance contracts will
require that you report all car accidents to them.
If Someone Is Injured
After an accident, it’s not uncommon for some soft tissue injuries
to go unnoticed for a day or more. Neck and back pain, in particular,
are frequently reported injuries following a car crash. If another driver
or passenger reports these injuries to their insurance company, then their
adjusters will definitely contact your provider. When your provider learns
that you were at fault for an accident that you did not report, it could
have very negative effects on your premium.
If you were injured in a car accident, even if you are at fault, it is
still highly recommended that you file a claim with your insurance company.
In nearly all cases, the medical bills from a car accident injury will
greatly exceed your deductible, so it’s beneficial to take advantage
of your insurance benefits.
When the Other Driver Is at Fault
If the accident is clearly not your fault, then it is generally best to
file a claim with your insurance provider immediately. Unfortunately,
verbal agreements for a cash payout are frequently reneged, and it is
important to protect your financial interests. Many insurance providers
will eliminate or refund your deductible if they can prove you were not
at fault. The earlier you contact the insurance company, the better they
are able to collect evidence to assign fault to the other driver.
Injured in a Car Accident? Call The Weinstein Firm
If you’ve been injured in a car accident, and are not sure whether
to contact your insurance company, call our law firm today. Our Atlanta
auto accident lawyers have successfully recovered millions of dollars
on behalf of our clients.
If you’re facing serious injury due to another person’s negligence,
you have a right to fair compensation. Call (404) 566-7009 today.