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 frequently renege, 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 attorneys have successfully recovered millions of dollars on behalf of our clients.