Should You Call Your Own Car Insurance Company If You Have Been Involved in an Automobile Wreck?


If you have been involved in a car accident in the Fort Worth, Texas area, then it is your responsibility to contact your own insurance company and let them know about the wreck. This is because the contract with your auto liability insurance company requires that you notify them if in the event of an accident. Remember that just because you are telling your own insurance company that you have been involved in an accident, does not mean that you are making a claim on that policy.



 
Most of the people who contact me for legal services have already called their own car insurance company, but if they haven't, then I do inform them that they are supposed to do so. When you do call the company, ask them to confirm what kind of coverage you have. Specifically, it is good to learn if you have coverage which could benefit you. Ask the claims representative if you have Uninsured Motorists (UIM) coverage and/or Personal Injury Protection (PIP) coverage.

It is also important that you contact the liability insurance company for the driver who caused the accident. Hopefully, you are able to obtain that information at the accident scene. If not, you can easily obtain it off of the crash report prepared by the investigating officer. Be careful whenever speaking with the at-fault driver's insurance adjustor though - remember it is their job to pay you as little money as possible!

Also, if you are going to contact the other driver's insurance company, you first need to read about the dangers of giving a recorded statement.


Other articles you might be interested in:
How to Obtain Your Crash Report
How Much is My Claim Worth?
What to Look for in Hiring an Injury Lawyer
Why You Can't Trust Insurance Companies
What If The Other Driver Appears To Have No Car Insurance?
Mark A. Anderson
Board Certified Personal Injury Lawyer in Fort Worth, Texas