Do I Have to File a Claim Even if I’m Not at Fault for a Car Accident?

Do I Have to File a Claim Even if I’m Not at Fault for a Car Accident?

If you are involved in an accident that is not your fault, you may think this is reason not to file a claim with your insurer. However, this does not mean you shouldn’t contact your insurance agent. This is because you are required to contact your insurance agent in case of potential claims. Even if you eventually get all of your expenses covered under the other driver’s insurance policy, your insurer still needs to know about the accident. 

Can You Lie About an Accident? 

Some drivers may be tempted to lie about or hide a car accident from their insurer to avoid a higher insurance premium. However, you should keep in mind that the DMV communicates with insurance providers. If a car accident goes on your driving record, the DMV will notify your insurance provider. Hiding accidents or lying about them is known as “soft fraud” and could lead to a cancelled policy. 

When You Should File a Claim 

It is important to note that you should generally call the police if you are involved in an accident, especially with another person. Filing a report with the police can help clear up fault and provide information for your insurance provider. When you are not at fault for an accident, you should still connect with your insurance provider if: 

Injuries Occur 

Accidents involving injuries can be tricky, as not all injuries are obvious at first and some can grow worse overtime. If anyone in the accident is injured, such as you and your passengers, you may want to call your insurer.  

Hit and Run 

Hit and runs aren’t generally the fault of the driver who was hit, but it can be difficult to get compensation for your damages if you don’t know who caused damage to your vehicle. In the case of a hit and run, it may be best to get police and your insurance provider involved so that you can hopefully find a way to cover the damages to your vehicle. 

Damages are Significant 

In some cases, a small accident such as a fender bender may not even reach your deductible on expenses, in which case you may not file a car insurance policy. If your vehicle or people involved in the wreck suffer severe damages or injuries, you will want to contact your insurance provider to discuss the damages and make sure they are aware of the incident.